23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Currently, my wife and I live below the Federal threshold for poverty. College Assist ( XXXX XXXX, MN ) has consistently refused to allow me to resume payments on my outstanding student loans by repayment based upon income ( Income-based repayment agreement ). 
At this time, they are offsetting my Social Security payments and forcing us to discontinue vital and necessary medications. My job as a Florida XXXX XXXX does not pay enough for us to make " standard and required '' payments. 

College Assist is nothing more than a collection agency or contractor hired by the Federal Department of Education to harass and intimidate Federal student loan borrowers who are unable to repay their loans at the " required minimum payment level. '' If it were financially feasible, I would engage a local attorney in order to deal with this collection agency. Unfortunately, there really is no " third-party arbitrator '' available to deal with situations such as this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested investigation of 2 bankruptcy records listed on my credit file with the 3 credit reporting agencies. XXXX  and XXXX returned that they verified the information with a third party, XXXX XXXX. I received no response from TransUnion. XXXX XXXX has affirmed, with the attached letter that the 2 bankruptcy " records have been removed ''. The CRA 's are in violation of the FCRA and have lied about conducting the re-investigation and must remove the 2 bankruptcy records attached to my credit file
Product: Debt collection

This company is trying to collect a debt that as sent over to them from XXXX XXXX and I 'm currently disputing all charges with XXXX at this time. XXXX cotniually violates credit card rules and regulations and here is a clear example of them sending this to a debt collector when we are in the dispute process
Product: Checking or savings account

Dishonest behavior on part of Bank of America. 

I'm entitled to {$300.00} bonus for opening a business checking account at Bank of America, N.A. The bank refused to pay the bonus. 

I opened a " Business Fundamentals Checking '' account with a {$300.00} bonus per a special offer for opening a business account. 
This special offer ( invitation ) was showing for me while doing online banking. 
Per the offer, to earn the bonus the following 3 requirements were listed : 1. Open a new Business Fundamentals Checking or Business Advantage Checking by XX/XX/XXXX ; 2. Deposit new money of at list {$5000.00} within 90 days of account opening ; 3. Make five qualifying electronic payments within 90 days of account opening.

All requirements to earn the bonus were completed.

A " Business Fundamentals Checking '' ( acc. XXXX ) was opened online on XX/XX/XXXX with the proper code inserted ( XXXX ). 
{$5000.00} ( a check ) was deposited on XXXX. 
Five qualifying electronic payments were completed shortly after the account was opened. 

Per my telephone conversation with a bank representative for business accounts ( XXXX @ XXXX ) on XXXX, the bonus was properly attached to this account. 

On XXXX I sent a letter to the bank asking to pay the earned bonus. 
I received back : " Unfortunately, your account doesn't qualify for the Checking Deepening Offer promotion because The account product opened is not eligible. '' Attached : Image of the {$300.00} bonus offer showing in my online banking. 
Images of the full offer with the requirements. 
Images of the online application process. 
My letter to the bank Reply from the bank A bank statement showing the type of the account.
Product: Debt collection

Portfolio Recovery Agency ( PRA ) has been harassing me with frequent phone calls from a variety of XXXX numbers. I do not have outstanding debt and have never transacted business with this company, it is fraudulent and abusive.
Product: Debt collection

On XX/XX/2020, I spoke with XXXX in Accounting about discontinuing my gym membership after over 20 plus years as a member ; through the 3 gym name changes, and closure of my original gym membership location. XXXX said for they were leaving at XXXXXXXX XXXX. and for me to put in writing that I was cancelling my gym membership and that I could leave the letter at the front desk. 

I left the letter in an envelope addressed to XXXX at the front desk of the XXXX XXXX XXXX location as instructed over the phone by XXXX. 
I also expressed that I did not feel safe coming back to the gym at that time due to the Pandemic and concerns about health and cleaning procedures. 

I also spoke with XXXX to follow-up on my cancellation ; who tried to get me to stay and I said I wanted to cancel. Next, I received a call from XXXX, one of the XXXX XXXX XXXX and I explained my concern about the Pandemic/cleanliness procedures and that I did not feel safe coming back at this time and wanted to cancel my membership. 

Months go by and I get notification from my credit card on file that XXXX XXXX was attempting to collect money from my account ; so I called XXXX XXXX and spoke to XXXX and XXXX again who asked me to submit another cancellation letter ; which I did. 

Next, I get a notification over a year later from an Attorney saying they want me to pay a past due amount of {$190.00} to prevent further collection actions on behalf of XXXX XXXX. 

I have done as asked by both XXXX and XXXX to cancel my membership with no further money being due and was still turned over to their collection company over a year after my cancellation ; almost 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an auto loan with XXXX XXXX in XXXX of XXXX. They had been reporting my payments monthly until XXXX of XXXX. Since then they have not updated my account balance nor my monthly payments. Its bringing my score down and Im being denied the ability to purchase another vehicle. I want my payment history and corrected owed balance to be updated immediately.
Product: Student loan

I attended XXXX College in XXXX, and graduated in XXXX doing a 9 month program. My school was closed down a few months after I graduated for negligent activities and fraud. 

When I signed up for the program I had to take out a private loan. The process wasn't clearly explained to me and I acquired a very high interest rate through Sallie Mae. After graduating I deferred my student loan after going back to school. No one from Sallie Mae said anything about interest incruing, and the forbearance process was explained to me as if everything freezes until I'm finished with school. That was a lie. 

So this loan keeps growing and anytime I asked Sallie Mae about refinancing it they said I couldn't do that. I don't have very good credit because of countless health issues and prior medical bills so I can't refinance it through a bank. I'm also now XXXX and not working. 

When they switched my loan over to navient I had the same problems. They were calling me nonstop for years and every bit I did pay didn't go to the principal of the loan. I was paying the loan back through one of  their payment assistance programs that was for a year period and would need to be renewed after a year. I had to authorize debit card transactions. Navient has been trying to take money out of a bank account that is no longer open, that I had over three years ago, that they do not have access to, and was not agreed to based on last payment program I was on. This was a bank account that I haven't had since XXXX and have tried to delete from their website. 

They do not, and have not had my permission to charge that card since at the very latest, XXXX. How is this legal? I have also tried to get a XXXX loan forgiveness and they say they do not do that for private loans.
Product: Debt collection

On XXXX XXXX 2017 two certified letters were sent to Portfolio Recovery Associates, which are listed belowadvising you that these two debts were in dispute and I was asking that you please validate the debt. In the letter, I outlined very specifically, what was required to validate this debt. With the primary emphases of a copy of the legal binding contract with my signature on it that says I owe the amounts you are requesting. Unfortunately, you have provided me with no such validation that proves that I owe these two debts or the amounts. At this time, I must ask that Portfolio Recovery Associates provide me with a copy of the original legal contract barring my signature that shows that shows I owe these debts. Portfolio Recovery Associates US Certified Mail XXXX XXXX 2017 ( XXXX XXXX XXXX XXXX XXXX ) Portfolio Recovery Associates US Certified Mail XXXX XXXX 2017 ( XXXX XXXX XXXX XXXX XXXX ) In addition, I have just pulled my latest credit report and have noticed that even though I have disputed these debts. You have moved forward with continued collection activity by placing disputed invalidated derogatory information on all of my three-credit reports. With the direct intent to harm my credit and prevent me from enjoying all the benefits of good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted repeatedly to work with TransUnion to remove three hard inquiries that were made on my credit report that I did not authorize. The date listed is for XX/XX/2017. I am repeatedly told by TransUnion, that there is nothing I can do about the hard inquiries, and that I need to contact each hard inquiry and attempt to get them to " write a letter '' on my behalf in order to get them removed. We I contact these companies, they are confused as to why I need such a letter and refuse to assist me. I have been working on this issue for over a year now. It is imperative that this get resolved in order to have the credit rating I have worked hard for. Listed below are the hard inquiries I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My student loan account has been placed in Forbearance. I did not ask for forbearance and I have repeatedly requested that the forbearance be removed so that I can resume making payments and have those payments counted towards XXXX. 

My previous loan servicer ( XXXX ) placed my XXXX payment loans into an unsolicited forebearance in 2017 when I filed bankruptcy and then turned around and refused to update payment counts for an entire year, PROLONGING the life of the loans that would have been forgiven under the XXXX program. 

I find myself in nearly the same position with Mohela today, and, after the XXXX XXXX and XXXX hour call to them, I am here again to file a formal complaint
Product: Mortgage

My Mortgage was sold to US bank. The indicated that insurance was required. I have provided them copies twice. It is a condo policy. After the first time I sent it in ( XX/XX/XXXX ), they indicated that my name needed to be on the policy, not just the condo association. I sent a second copy specifically listing my name ( on or around XX/XX/XXXX ). I received in the mail this week a statement indicating that they used my escrow funds without my approval to buy insurance ( {$820.00} ). When I called, they indicated I needed an XXXX policy to cover the contents of my condo ( first time I had ever heard this ). My insurance rep indicates I already have courage for contents and an XXXX would be duplicate coverage. I have confirmation from my insurance rep that I an covered. 
I contacted US Bank on Tuesday the XX/XX/XXXX to discuss my concern and spoke to XXXX ( would not give last name ). She would not connect me with anyone in the insurance department indicating they do not accept calls. They will mail me something. I requested an immediate call from a supervisor and have yet to receive it. 
Is it legal for US Bank to use my escrow money without my permission or approval for something I do n't need or want?
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX
Product: Debt collection

I have a personal loan with Tower Loan of XXXX XXXX, MO. It has been a nightmare since. Not only were there harassing calls on my cell phone by a woman who used threats, and very aggressive tone, but it was all because of a mistake on their end because they had my name spelled incorrectly and were not allocating the payments right. payments were being made monthly. I would get an apology, then the next day more aggressive voice mails because she " forgot '' about our conversations. 
Now, a year later, i have changed jobs, one reason being is the harassing phone calls at work. They would have me paged over an intercom system that is used across the entire facilities campus, but if they could not contact me, they asked for my manager. I was called into his office, where at the time i was working on a promotion and was verbally warned about receiving personal calls at work. This was after several times of telling this company they can not contact me at work. 
After that verbal warning, my promotion that i had been working on all year was a shot in the dark. The level of credibility and professionalism was lost between myself and my manager. 
I then decided i need to move on from that company, i had been embarrassed. 
I have been working at my new place of employment ( career move with promotion ) for only 2 months. XXXX. 
There was a lapse of approx 2 months without a payment due to the job change and time between paychecks. 
I received a surprising call from Tower Loan on my work number while sitting with my new manager doing systems training. I dont even know how they got it. im not hiding from them, but i had not put it out there either. i am not only in another city but another state. At that time i told Tower Loan that i am NOT ALLOWED TO RECEIVE PERSONAL CALLS AT WORK. i went into the office, caught up on payments ( XXXX thats 3 payments ) and it has only been a few weeks and i have now received 6 calls on my cell phone and 2 calls on my work phone! 
I have already discussed options to have this loan transferred to another branch, but their business practices need to be brought to your attention. They also have an assumption that i owe double what i do, but they can not prove it, he just says ... my computers math cant be wrong, but will not show it to me. 
This is absolutely unacceptable and i wish i never accepted their loan. i was not even that desperate at the time, it was to pay off a medical bill who were not even harassing me.
Product: Checking or savings account

On XX/XX/scrub>XXXX XXXX, 2024, my wife and I were alerted via text that a withdrawal of {$1400.00} was taken from our checking account via the XXXX method. We knew instantly this wasnt authorized by us and was confirmed when we checked the account and saw that the money had been sent to someone we did not know. We were left with around {$11.00} in the account. Having immediately called the bank ( Santander ), the agent informed us that our account had been fully hacked and that they would have to freeze the account so no more money could come out and that we would need to physically go to a branch of the bank to open up a new account. The agent also said this incident would be sent to the fraud department and explained the timelines of when we would get our money back. On XXXX XXXX, 2024, we received a letter in the mail saying that our claim was being denied because there was no explanation of how our banking credentials would have been obtained by the hackers because our credentials were not written or stored anywhere. We dont write down our credentials or share them with anyone because that is not a smart move if we want to try and protect our accounts. Its almost as though the bank is saying to us that we should have shared our credentials with people! 
Bank reference number : XXXX
Product: Vehicle loan or lease

CAPITAL ONE AUTO FINANCE has been reporting inaccurate information to my credit report. 15 u.s.c. 1692 The account was charged off & Capital One Auto Finance has added fee 's to my account to get addition money from me {$13000.00}. This company is stressing me out. They sent me offer to my email then when I apply I'm denied. I feel it's false & misleading
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. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX
Product: Consumer Loan

Account number:XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
Product: Debt collection

I signed for classes in XXXX, XXXX and cancelled in XXXX, XXXX due to finding another classes at a closer vo-tech. Collection agency is showing his opened XX/XX/XXXX and date of last activity as XXXX and this was all from XXXX. Since I cancelled these classes prior to the class starting this should never have been shown as a collection.
Product: Mortgage

I was behind on my mortgage, and requested a modification in XXXX, 2024. I was approved a 3 month trial in XXXX of 2024. When I received my new loan the terms 40 years, had increase, the interest payment was increase and the tax and insurance days to sign and notarize the forms or would be cancelled. I felt intimidated. I first tried the portal they have, XXXX XXXX XXXX portal. But it was closed. So I sent a letter on XX/XX/year>, stating concerns about this new mortgage. That they wanted me to sign quickly and return. The first one I mailed out XXXX day delivery. No response from ServiceMac. Then I sent out the second following another set the XXXX of XXXX. Still no response. So on XX/XX/XXXX, I sent another one out. Today, they called me, I asked them did they receive the letter, they said no. So I asked to speak with a supervisor in loss mitigation and they took a long time, asking what the letter stated. I kept asking them did they receive any letter, then they said they did. I asked when did they. I requested a timeline for when my concerns will be reviewed. They couldn't say and told me they don't negotiate mortgages. That is when I told them, I wanted my HUD counselor on the phone. To hear the conversation and to speak on my behalf. I was giving him approval.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX, PARENT COMPANY, and Subsidiaries ( XXXX XXXX XXXX XXXX ) are trying to collect on an alleged debt despite creating consumer account for securitizing consumers RETAIL INSTALLMENT AGREEMENT WHICH UNDER 16 CFR 433.1 IS INDEED AN CREDIT SALE AS CONSUMERS SOCIAL SECURITY NUMBER WAS USED IN SAID TRANSACTION. Also, According to the IRS, a charge-off is a type of certificate of indebtedness, which means it is treated as income and can be removed from records. I have aslo sent a disput letter XXXX with the FTC report and Affidavit to XXXX  XXXX, according to FCRA 605B XXXX XXXX had 4 business days after receipt to cease reporting of any information identified in the subject identity theft report as resulting from identity theft. Which, XXXX XXXX has failed yo comply. I have submitted a 1099C, 1099 OID, and 1099 B to the IRS since XXXX XXXX has not provided me with copies of the mentioned forms. FTC fraud report ( XXXX ) was filed on behalf of the consumer. Consumer requests XXXX  XXXX provide me with copies of my 1099C, 1099 OID, and 1099 B. I am also requesting that XXXX  XXXX Provide a CERTFIED copy by their CPA of their GAAP accounting records. I have also filed forms XXXX and XXXX treasury XXXX to audit consumers ' accounts. XXXX, Experian, and XXXX has a duty to report inaccurate information that they have failed to uphold. XXXX XXXX, XXXX, Experian, and XXXX have caused me financial and emotional distress from their unjust practices. I would like all reporting to Cease and Desist : to immediately stop all collection efforts and information sharing related to this account. I would then like the status of Account # XXXX to reflect closed by consumer and marked as paid as agreed. Symbol : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX
Product: Credit card or prepaid card

XXXX weeks ago I closed a credit card account with Bank of America.XXXX XXXX XXXX was XXXX XXXX XXXX XXXX. The account had a credit of {$24.00}. XXXX weeks ago I contacted Bank of America and a representative told that they were going to mail me a check for {$24.00} corresponding to the credit that I had in my credit card account. The check has not arrived yet. XXXX weeks ago I contacted Bank of America again and a representative told me that they were going to mail me a check. The check has not arrived yet. Please XXXX Bank of America to mail a check with the amount that they own me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate bankruptcy information that is currently listed on my credit report. The bankruptcy, dated XX/XX/year>, is incorrectly associated with my credit file. Upon further investigation, I have found that this bankruptcy case pertains to an individual with a name similar to mine, but it does not reflect any financial proceedings related to me. In accordance with the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information on consumer reports. Under Section 611 of the FCRA, I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. I am exercising this right to request that you immediately investigate this matter and remove the incorrect bankruptcy information from my credit report. Attached to this letter, you will find supporting documentation, including proof of my identity and any relevant details to assist in your investigation. I kindly request that you notify me in writing of the results of your investigation, as required by law, and provide me with an updated copy of my credit report once the inaccurate information has been corrected. I appreciate your prompt attention to this matter and expect the error to be corrected within the 30-day timeframe stipulated by the FCRA. If you require any additional information from me to complete your investigation, please do not hesitate to contact me.