23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX, Mohela decided to update their payment portal from the old mobile app and website that they had been using. In doing so, they closed down the older website/app and required borrowers to sign up for a new website/portal. However, the new portal does not show borrower loan history, only showing older loan payments. I was able to see my full payment history in the old portal but can not see it in the new one. Mohela has stated that they can not offer access to the old portal and also can not send this information ( which was previously available ) digitally. I have submitted a request for the information to Mohela to receive the information via mail on XX/XX/XXXX but it still has not arrived. This is unacceptable. Many borrowers rely on timely access to loan payment information to receive company matches and other benefits, which have deadlines. I work for the XXXX XXXX XXXX as a XXXX XXXX XXXX and will miss out on thousands of dollars of funds paid by my employer for serving at a hardship post because I can not see my payment history. I am unable to meet their deadline given the state of Mohela 's systems. I can not even confirm that Mohela applied my previous benefit from last year ( which I suspect they did not as my balance remains the same ) because I can not see my payment history. It is as if I just did not make payments without this documentation. Multiple other borrowers have reported this same problem. 

Mohela customer service agents redirect borrowers to FASFA. However, Mohela itself reports information to FASFA and has not updated FASFA with full payment history e.g my XXXX payments are still not visible in FASFA. This is unacceptable. We uphold our part of the bargain yet Mohela and the Dept of Education do not. Our only wish is to fulfill our financial obligations.
Product: Credit reporting or other personal consumer reports

Its incredibly frustrating to find discrepancies on my credit report this morning. Despite checking regularly, these unauthorized inquiries seemed to appear from nowhere, and refreshing the browser didn't help. Im asking for immediate action to review the documents Ive provided and have the unauthorized inquiries resolved so I can move on from this troubling situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

Please Refer to Complaint Number : A validation of Debt and QWR was sent to SPS however, they have failed to provide the following : * Full accounting from inception to present date to justify the numbers given * SPS claims that my balance is {$790000.00} however i have conflicting accounting which is why i asked for a validation of debt from SPS merely sending closing documents without accounting is not a valid response per the FDCPA * SPS has also failed to provide a mortgage coupon the loan was transferred in XXXX of 2016 and SPS also failed to provide HAMP options as well as alternative options as required by law.
Product: Checking or savings account

XXXX ) Wells Fargo takes overdraft fees from my account for transferring money from XXXX account to the next when I was told that overdraft fees of XXXX dollars would not be added to my account which has cause my account to go into overdrawn with status on a numerous occasions XXXX occasion is when my card was charged for XXXX XXXX car the amount that was charged to my card was in between XXXX and {$400.00}, when I called and put a stop payment on the transaction and went through the process of disputing this transaction the money will still taken and paid. 
XXXX ) I was clearly told that the accounts that I have with Wells Fargo would not be charged a fee every month because of the type of accounts that I have, which are that I have to have a certain amount of direct deposits to my accounts in order for the accounts to be free, I have been constantly charged account fees and the amount of {$12.00} every month to accounts that are not supposed to be charged because I have direct deposits that go onto these accounts.
Product: Debt collection

I have requested that this account be verified. This debt has been paid in full from the original creditor US Auto Sales. A debt collector Westlake PM is reporting the account charged off w/a balance owed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/2022 XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX The following personal information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity fraud i have been getting alerts that my information is on dark web and the following accounts and inquiries on my credit files when i pulled them where opened without my authorization or knowledge collection account - XXXX XXXX original creditor XXXX in the amount of {$1900.00} opened XXXX collection - XXXX  in amount of {$190.00} opened - XX/XX/XXXX XXXX XXXX XXXX in amount of {$520.00} opened XXXX XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX  in amount of {$260.00} opened- XX/XX/XXXX XXXX XXXX XXXX- in amount of {$500.00} opened XXXX XXXX XXXX XXXX XXXX  original creditor XXXX XXXX  in amount of {$1400.00} opened - XX/XX/XXXX XXXX XXXX  - balance {$260.00} opened - XX/XX/XXXX XXXX  XXXX - credit limit {$13000.00} opened XXXX XXXX XXXX  - balance {$57000.00} opened XXXX XXXX XXXX XXXX  balance {$48000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$440.00} opened XX/XX/XXXX
Product: Debt collection

on  XXXX / XXXX /   2017  I received a message saying that i was to be served and that the company had made multiple attempts to server me and this was my last opportunity and that if I were not home it would be viewed as refusal to accept.I have never been notified of this debt being turned over to collections before. I Was home all day the next day and no one showed up. Call ed my county clerk and  no case was found using the case number the company had provided. Within this first message was a phone number to call if I wanted to settle out of court. On  XXXX / XXXX /   2017  I called number that was in message and spoke with an  XXXX   XXXX .  XXXX   XXXX  explained that the debt was from a previous payday loan I had taken out. He then further went on to ask if i wanted to settle this now before it became a public matter. I told  XXXX   XXXX  I would call him back on  XXXX / XXXX / 2017  if I were able to make funds available.  XXXX   XXXX  called me on  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX /   2017   XXXX   XXXX ,  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX /   2017  at  XXXX   XXXX . I then called  XXXX   XXXX  back and told him that I did not have the funds together now. I also asked him for information regarding his company and he said he would be able to give me all that after we had made arrangements. So even as of now I do not know what company he is with only that his number is  XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX at approximately XXXX there was an unauthorized transfer from my account to an account in the name of XXXX XXXX The amount that was sent to the account was {$1900.00}. I reached out to cash app immediately the next day because I was unaware who that person was and how someone gained access to my account to send money. Cash app reached out to me a few days later requesting information about the fraudulent transaction. I gave a detailed description of what happen and was told that they would look into it. After a while when I didnt hear back from cash app I took matter into my own hands and tried reaching out to the account that the money was sent to begging for my money back but no response. Cash app also never responded back with an update. I tried reaching out again to start the process over in hopes that someone would look into it but there was no response from the company with any updates or explanation as to how the money was sent without my authorization or knowledge.
Product: Debt collection

On XXXX XXXX at XXXX XXXX  ct I received a phone call from XXXX. A female representative from Medi Credit Inc. I was informed of this call from named of above dept collection company that it was attempt to collect a dept and was being recorded. She asked my name and I acknowledged yes. At this point without verifying who I was with assuming that I was that person and proceeded. She started giving personal information out and about the dept. I stopped her and informed her she was in. Violation of the confidentiality act laws without verifying who I really was. I asked for supervisor and she was denying me that right. I informed her this call is being ended. I called back talked with supervisor to give complaint. Supervisor stated she would handle it but I felt that the supovisor was not going to handle the representative in her violating the confidentiality act laws.
Product: Credit card or prepaid card

Capital One closed me for " behavior inconsistent with use of an account. '' I had a negative balance of {$15000.00}. 

It has been nearly three months, and Capital One still has not returned this balance to me.

They are effectively making free interest off my money. It needs to be returned immediately, preferably with 2 % interest, the prevailing interest rate - for last three months.

They should also return my confiscated rewards of {$220.00} dollars as a good will gesture for holding my money this long.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX  SS : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX My information was sold and bought illegally because I was a victim of the XXXX XXXX breach. I want these deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

Account name : Account number : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Referance number : XXXX
Product: Checking or savings account

We previously had a mortgage with Bank of America that was closed last XXXX when we refinanced through another institution. We do not have any other accounts with them. 

Yesterday someone attempted to open a Bank of America XXXX XXXX Banking Account using my SSN and an ancillary email address. Luckily a confirmation email was sent to me that an online application had been submitted. I contacted Bank of America yesterday and they confirmed that the application had indeed been submitted. They denied the application with my consent. I want to ensure no other accounts are opened fraudulently with any other financial institution. I don't know this happened as my credit scores are locked.
Product: Virtual currency

I applied for an account on " Circle '' and they declined to open an account after I uploaded a picture and drivers license per their request. I believe the decision was made because I am XXXX. " Circle '' says : XXXX ( Circle ) XX/XX/XXXX, XXXX EDT Hi XXXX, We have carefully reviewed the information you provided us and unfortunately we will not be able to offer you service. We can not go into specific details about what led us to our decision. Thank you for understanding. 
Best, XXXX - Team Circle I believe " Circle '' denied the account because I am XXXX as they will not say why they declined the account and the decline happened after I uploaded a photo of myself per their request. Thank you
Product: Credit reporting

Have a Tax lien on my credit report resulted from a back tax bill from wife 's deceased mother. Bill has been paid in full when we found out about itXX/XX/2011. 
tax lien from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXXamount of {$550.00}. Paid in full ( XXXX ) XXXX
Product: Credit card or prepaid card

I've been a card holder for over 3 years now. I've always had a {$1000.00} credit limit. I've asked multiple times for line increases that were never granted. I use my card about once a year and usually have no problem paying off the balance. This year Covid-19 has turned the word upside down and my annual purchase I haven't quite paid down as quickly as I normally would due to my business financially struggling. They reported 2 late payments to the credit bureau. I sent them a goodwill letter explaining my current hardship and ask that they remove the negative reporting to the credit bureau considering that we are in a global pandemic. 

They sent me a letter XX/XX/2020 stating that they have changed my credit limit from {$1000.00} to {$300.00} due to a significant decrease in my credit score. I currently still have a balance on my credit card that is about {$310.00}, so not only did they decrease my credit limit out of nowhere, but they decreased it past the balance that its currently carrying so that I'm automatically over my limit. These actions are extremely antagonist in nature. A credit card company reporting an over the limit credit card balance can drop your score over 25 points. I've never had a late payment ever with this company and the year that the entire world is suffering economically and financially Comenity Capital Bank rewards me with a stab in the back and then rubs salt in the wound. This is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX credit reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted.

This agency is in violation of 15 USC 1692g. This is an official dispute of this account. 
I demand the above account deleted from my consumer report. 


IVE ENCLOSED DOCUMENTS FROM THE XXXX WEBSITE This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 
I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card

I recently applied for Capital One Venture X credit card. My application ID is XXXX. I received an email that Capital One would need me to submit government-issued IDs, but they only take Driver 's Licence or state ID. They denied passport or ITIN letter as government-issued IDs, which is very ridiculous.
Product: Payday loan, title loan, personal loan, or advance loan

Moneylion Account XXXX Additionally, it has come to my attention that I have not received a Form 1099-C, which is required for reporting canceled debt under the Internal Revenue Code. As per IRS regulations, the issuance of Form 1099-C is necessary for the debt amount to be properly accounted for and reported. The lack of this form may indicate non-compliance with the relevant credit reporting and tax regulations. 
Given these circumstances, I request that you : 1. Delete these charge-off entries from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and removal of fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605B. I am a victim of a data breach that has resulted in unauthorized accounts and inquiries appearing on my credit report.

Please find the fraudulent accounts and inquiries listed below : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I OBTAINED AN AUTO LOAN WITH XXXX XXXX  AND WAS TOLD OUR VEHICLE WAS PUT OUT FOR REPO XX/XX/XXXX AT NO POINT IN THE DURATION OF OUR LOAN WERE WE ADVISED THE ACCT WAS OUT FOR REPO. WE HAD PAID CURRENT AND TO OUR KNOWLEDGE ACCT WAS WRONGFULLY REPOSSESSED XX/XX/XXXX AT XXXX AM - WE WERE TOLD BY XXXX XXXX POLICE DEPARTMENT OUR VEHICLE WAS REPOSSESSED AND WE WERE LEFT PUZZLED BECAUSE OUR ACCOUNT IS CURRENT. IT WAS REPOSSESSED BY A CONTRACTED 3RD PARTY THROUGH XXXX XXXX STRATEGIC AUTOMOTIVE SERVICES.
Product: Debt collection

I noticed a collection was added to my XXXX  account from Common Wealth in the amount of {$1600.00}. The original creditor is XXXX XXXX XXXX XXXX. 
But there is another collection agency currently reporting and trying to collect on this same account. To my knowledge, it is illegal for two collection agencies to collect on the same debt. 

Commonwealth has NEVER sent me a dunning letter or provided any proof that they are legally able to collect on this debt or that it is accurate.
Product: Credit reporting or other personal consumer reports

Fraudulent Inquries and account reporting on my profile
Product: Debt collection

I received a letter in the mail from FMA Alliance LTD on XX/XX/2023. I wrote a dispute letter that has a receiving time stamp of XX/XX/2023 on USPS tracking website. I did not receive a response from the company with 30 days. As of XX/XX/2023, I called the company to see if a response was sent to my home address. No agent could come to phone and let a voicemail.
Product: Mortgage

To Whom It May Concern, I have tried on numerous occasions to work something out with my lender. In the beginning they informed me that i had to go through the waterfall process and that they would let me know if i can do the short sale, it took well over 30 days for them to come up with their assessment. Now, I am stuck with a foreclosure sale date and a good offer that the lender is now telling me that they do not have time to review. I just want the lender to be fair and at the very least review my offer. I am like everyone else, I have my pride and i at least have been actively looking for a buyer on the property. This is the worst process in the world, how can the lender say that they do not have enough time to review the file for the short sale process when they have had all of the documents for over 30 days. Please help me.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$7600.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX  XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX  XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Im a victim of identity theft, my personal information was compromised. A fraudulent account with Capital one was opened with my information on XX/XX/year>. The account is showing closed on my credit report and reporting a balance of of {$550.00} with a late payment reporting. I contacted the company and requested that it be removed from my credit report.
Product: Debt collection

I have been attempting to dispute an illegal collection account on my credit report for many months now. I have submitted two different complaints through the financial protection bureau about XXXX  XXXX. It has been IMPOSSIBLE getting any information about this incorrect account on my records, I do not owe any medical debt I am a XXXX recipient in state of California and I pay XXXX dollars every where I go and it has been this way for 7 years. In XXXX I got a notification from my credit monitoring that a XXXX XXXX  ( mysterious company ) has placed a negative collection against me for a mysterious debt which I DO NOT OWE! they ruined my credit and I lost over 160 points from them reporting me as a delinquent person to the credit bureaus. I disputed this and the CFPB required more information about them and for the LIFE of my I can not find who theses people are and where they came from and where there illegal debt originated from. 

I HAVE NEVER received a single letter, phone call, email or any correspondence AT ALL about any debt I owe and this company has illegally and prematurely reported me right away as a " in collection '' and I have no knowledge of this debt nor have I ever been to a XXXX or had labs done outside of my doctors office where my XXXX is on file. 

These people are vultures and snakes and they have ruined my life without warning me, notifying me or discussing anything or any invoices with me. How dare they??? I hope that they are found guilty of violating FDCPA laws and are SHUTT DOWN for illegal practices. SHAME on them!
Product: Credit card

Nature of the Complaint : Refund / Exchange Issues Consumers Original Complaint : After speaking with XXXX the facility manager and canceling my unit. I am still being charged automatically on my card for the past XXXX months. I never moved my items in the unit. It is a XXXX unit. ( I'm sure your records will reveal the unit was never entered and or activated for usage. ) As I was ill and did not get to move items as needed with movers. I want to request a refund for the unit. Also please STOP the continued billing. 
I would really appreciate your assistance in terminating this continued billing once and for all. 
XXXX XXXX XXXX : Refund ; I would like to be refunded for the monies in which I did not utilized the unit.
Product: Credit card or prepaid card

I did not receive any of my welcome bonus offers from my American Express XXXX card after finishing the required purchase.