23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a XXXX that has been XXXX in XXXX, Ohio. As an XXXX at XXXX XXXX University, I was involved in a XXXX and needed money mid-semester to pay for doctor 's appointments, books, parking, and transportation. I could not take a direct loan out mid-semester so I was forced to take a private loan to continue my education. I took out a {$15000.00} loan that is through American Educational Services. I did not know that this loan would not be eligible for the XXXX forgiveness program. 
I graduated XX/XX/XXXX, and took a job XXXX for XXXX XX/XX/XXXX. I have worked there ever since. I recently applied for the {$5000.00} XXXX loan forgiveness and was rejected. I meet every requirement there is : -XXXX for XXXX years full time-Never missed a payment-XXXX that is listed in the XXXX currently have a balance of {$17000.00} on my American Educational Services Loan and do not have any private loans. I am a very successful XXXX, who has earned some of the XXXX in Ohio for the last XXXX years. I was relying on this partial loan forgiveness so I can one day have the American Dream of owning my own house. I not only get payed 75 % of what XXXX earn, but I also will have these student loan payments for the next XXXX years. 
Why ca n't my college loan be eligible? Is n't the point of the XXXX Loan Forgiveness Program to reward and recruit successful XXXX? Should n't prospective XXXX be informed about the differences between private and direct loans? Should n't students be able to take direct loans out mid-semester when life throws them a curve ball? 
I just want the loan forgiveness that the rest of my co-XXXX have received.
Product: Debt collection

This is my second complaint against Portfolio Recovery. My debt with them has been well over XXXX plus years which is old attempted debt to be collected. I have contacted the FTC with this same information and because I did so they have been illegally trying their best to keep this account open by doing so much damage to me. They have been harassing me for many years by text, calls, mail, and email. Because I filed a complaint last year with you all they took their information partial off XXXX XXXX but not in complete whole took it off and they decided to put a stop payment and drafted my husband 's account with XXXX which I have no access to and not owned by me. This is unauthorized, unprofessional and by law stealing bank information to take a credit debt payment of over XXXX from my husband account. This has been overall caused me amounts of distress and anxiety and I am filing a report again. They also keep updating their dates of account opening ever year and it is false and not the original date it was opened with them. If I can recall it was opened way before 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove unauthorized, possibly fraud hard inquiry, XXXX via XXXX. I did NOT authorize this inquiry. I have filed a FTC complaint, provided affidavit and now filing a CFPB complaint. This unauthorized hard inquiry should be removed immediately.
Product: Debt collection

The company is collecting on an untrue debt. I have reached out to XXXX/XXXX   that the company is claiming to be collecting on behalf of and they advised that nothing is owed. All service equipment was returned and bill paid when I cancelled my service. The collection agency has yet to provide proof of the debt or remove the collections. This issue is a very time sensitive matter as I have major things that are dependent upon my credit history. The collection and all history needs to be deleted from my credit report NOW. All contact with XXXX and the collection agency has been recorded as well I have received a copy of my final statement which you will find attached.
Product: Credit card or prepaid card

We received a prepaid XXXX  gift card and are unable to use or register the card. The website ( XXXX  ) doesn't work and calling the number on the card ( XXXX ) leads to an automated system that never answers. We are unable to reach anyone to resolve the issue.
Product: Checking or savings account

XXXX XXXX CT XXXX XXXX XXXX, Iowa XXXX XX/XX/2022 Money Network XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To whom it may concern, I am writing in hopes of getting the pending transactions initially held by XXXX Points by XXXX - XXXX, SD on XX/XX/2022, and released on XX/XX/2022, removed, so that I might regain access to my funds. 

I have made several attempts by phone, experiencing exceptionally long hold times trying to resolve this issue. 

I was told by your agents that these holds can last as long as XX/XX/XXXXdays. However, I was also told that if I get a statement from the hotel management on company letterhead ( faxed or email ), this time hold time can be reduced to XXXX hours.The hotel XXXX did comply by email. 

On my most recent phone call to support, I was told they see no record of the XXXX Points email, yet I was forwarded a copy of the email the hotel manager sent. Likewise, I forwarded my copy to the provided Money NetworkXX/XX/XXXXXXXX email address : XXXX and received confirmation of successful delivery. 

Please also find a copy of this statement enclosed. 

In closing, let me say that I have been a dedicated customer of Money Network for a great number of years, using your service for the direct deposit of my XXXX paychecks during my many years of employment with XXXX, as well as the past XXXX years direct deposit of my current employer XXXX XXXX XXXX paychecks. 

I need access to my funds in order to pay my bills. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Mortgage

M & T Bank has not provided my 1098 tax form. I reached out by phone and visited a local branch to resolve this issue and as of today, XX/XX/XXXX, I still haven't received the form. Taxes are due in a few days
Product: Money transfer, virtual currency, or money service

I was scammed into sending money through Zelle on XX/XX/year> for the amount of {$3000.00}. I contacted Zelle to ask for a refund and they denied me.
Product: Debt collection

AFN I Corporation has some kind of a write off for me for some equipment with the cable company that was demolished in the hurricane in the XXXX XXXXXXXX in 2017 the house was demolished all the equipment was demolished I went to the XXXX building which was demolished they made me sign some paperwork and ever since then Ive still been getting billed I dont know in the house anymore it was lost in a natural disaster
Product: Debt collection

I was behind on my timeshare maintenance dues payments. I owed about {$1200.00} and I paid the past due amount plus the next months payment in full on Friday XXXX/XXXX/2015 on my original creditors website and they accepted as payment in full. The following Monday XXXX/XXXX/2015 I got a call from Pinnacle Recovery Inc. and talked to someone names XXXX. She said I owed about {$1500.00} for the account dues that had been handed over to them. I had not heard from Pinnacle prior to this ever and had already paid my original creditor in full. I explained to her that I had already made payment in full to satisfy the debt and there was nothing more I was obligated to pay. She continued to push the issue and stated I owe them ( Pinnacle ) {$300.00} additional because the account had been assigned to them. I had never heard anything from them or had any contact whatsoever before I made my payment to my original creditor. XXXX called me back about a week later and said that I still owed them the {$300.00} and I said no because the timeline does n't support their statements and I got my payment into my timeshare before ever hearing from them. This company is a joke!!! What do n't they understand about me already paying my debt. I sent certified letters disputing my case and sent emails with the payment confirmation I made on XXXX/XXXX/2015 to show as proof ( see attached documents ). I am really tired of these bottom feeder tactics and have notified my attorney just in case they continue to pursue this. Please see the attached documents showing the timeline of this. Also please note on the Pinnacle Document XXXX attachment the sentence that says " Please do not contact XXXX, The Club regarding this debt until the amount has been satisfied through our office '' I would have gladly followed the correct procedure and paid the debt through Pinnacle but I had already made payment in full to XXXX as seen in my supporting documentation and payment confirmation letter from Worldmark. I am not one to skirt the issue or find ways to be deceptive. I believe in following correct policies and procedures. What I do dispute and have objection too is companies like Pinnacle who try and take advantage of people and not look at the facts. I will not stand for this and and demand this be taken care of now!
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was fraudulently opened in my names XX/XX/2020. I notified American First Finance XX/XX/2020 of the fraudulently account, submitted the identify theft affidavit and have sent several follow up letters. I have not been contacted by the company nor has this information been removed from my account. I have submitted police reports and letters from the Federal Trade Commission as well. I need this resolved immediately, this account DOES NOT belong to me.
Product: Mortgage

Around XXXX XXXX I started sending in required documents to XXXX XXXX of Fairway Mortgage company after our offer was accepted on our new home. We usually sent him everything he requested within a few hours each time. Later in the process we started asking if they had a close date in mind since the house I was renting now had a contract on it and they would be closing XXXX XXXX, we had to close before them. From the very beginning we asked for XXXX XXXX and constantly reminded them XXXX XXXX was rapidly approaching. We were never told XXXX XXXX was impossible. XXXX XXXX I 'd put a comment on a social media about how they are not keeping us updated on the progress of our loan and keeping us in the dark. A friend had recently closed with them and it was a great and fast experience. She gave me a few names from corporate headquarters to call for help, which I did. They corporate people were shocked and the lack of information they could obtain on our loan, they were trying to help expedite it because XXXX XXXX was the following week. I was told that the particular branch of Fairway I 'd chosen was having personnel problems and some loan officers had left and one was on medical leave so all of the loans had to be routed to corporate for processing. We checked with these ladies almost every day and did n't end up closing until XXXX XXXX and even up to the day before at XXXX pm, XXXX Mortgage was asking for paperwork proving my boyfriend had paid a boat off with one credit union and the other credit union used the funds to pay off such boat! Bottom line we did n't close until XXXX XXXX, had to hire movers ( {$750.00} worth ) to move us because we did n't close until XXXX and the house we were moving out of closed the next day, so we had only hours to get our belongings out of the house. The XXXX and hard spots this company put us through was a nightmare. We were kept in the dark through the whole long process and Fairway was made aware from the beginning that the house we were occupying had a contract on it and we had to close and vacate prior to their closing date of XXXX XXXX. Worse house buying experience I 've EVER had.
Product: Credit card

I had a flight from XXXX and XXXX during XXXX XXXX XXXX It was booked using my spouse 's credit card ( Wells Fargo XXXX ) during XX/XX/XXXX. It was booked on XXXX XXXX already took the entire money and charged for baggage. Due to XXXX XXXX, one of the leg of flight was changed to XXXX. Our baggage were checked-in for the entire journey but still XXXX charged us for the bags in XXXX. It was me and my kids flying. We were charged more than {$800.00} for this on XXXX XX/XX/XXXX in XXXX. Made several complaints to XXXX and XXXX for the refund. Once the originating airlines charge for the baggage - in between airlines never charge for it. 
Later I opened a dispute with Wells Fargo bank and uploaded all the documents - explanation and all the documents. Still Wells Fargo is doing back and forth emails and calls and haven't initiated the dispute with XXXX or XXXX XXXX. 

wells Fargo is just too big and unorganized and inefficient. Left hand doesn't know what right hand is doing. Very poor hiring standards. 

Today I talked to Wells Fargo supervisor XXXX employee id # XXXX about the same. 

Dispute IDs : XXXX and XXXX
Product: Credit card

Back in XXXX I purchased a wig from the XXXX when it arrived it wasn't as described. Hair was advertised as XXXX human hair and it came colored and processed. Made attempts to resolve it with the merchant They stopped responding I reached out to Sezzle and provided proof of what they were selling and what they gave. I had tried to return it and the mailer they gave me was not legitimate So I could not even send back. Sezzle kept referring me to the merchant who would not reply to me. 

Secondly, on another purchase from XXXX, it was refunded and sezzle applied to wrong purchase so I have to continue paying on something that doesn't it exist and have separate payment dates as well. They refuse to allocate the funds correctly and insist that it was done correctly and even if it wasn't they said they have the right to do that. Also they are missing refunds I have sent them proof from both the merchant and XXXX who shows a process the refund. They offer me no recourse and they tell me that things have been escalated and to wait and definitely for a supervisor to Get a hold of me. I've asked several different times for information that was entitled to me. I just want information about what I can do They opened up an arbitrary dispute process for me then closed it Just to say they did it. They are growing increasingly more difficult to deal with and to get information out of. I have emails and documentation and all of that to prove the instances of consumer violations and regulations that they refuse to adhere to. It'd be one thing if it was just one agent or one representative I spoke to but it's all of them so this has to be a company practice I have all of the correspondences that we have and I record all the conversations now so if any other information is needed to further violate them and have them regulated I am more than willing to provide it.
Product: Debt collection

I purchased a laptop from XXXX XXXX XXXX in XX/XX/XXXX. in XX/XX/XXXX the laptop was taken in for service when my screen went blank. I let them know that this was being used for a small side business I had and needed it back asap. they said it would take 2 weeks- 2 months went by and no laptop! I continued making my payments and have always paid more then the amount due. in XX/XX/XXXX ( this year ) I took the laptop back for service because this time the XXXX system came up and I was not able to get into it. When I took it to Conn 's I took it with charger and did give them the ok to wipe out all information if needed because I had saved my information on an external drive. on XX/XX/XXXX I went to pick up my laptop and they tried giving it to me without a charger. I had already signed the receipt because on the very top was a charger but it was not the one that went to my laptop. The charging port was wobbly and loose. I told them that I was not taking it until I had my charger. They literally went around the store trying to find me a charger to fit my laptop which NONE did! The manager XXXX at that store told me he would just have to order me a new charger and to give him until the following Saturday which would have been on XX/XX/XXXX. I went to pick up on XX/XX/XXXX and there was no laptop, no charger and one seem to know where the laptop was. They all went and spoke away from me and told me to call service that they had the laptop. At my arrival at home I called the service number and spoke to an employee who advised me that the work order had been opened on XX/XX/XXXX and that the laptop was still at the store. She double checked in the back and then proceeded to call the store who then told her they did not have the laptop. At this point today ... XX/XX/XXXX I have no laptop and because my side business required me to have a laptop I have since been termed from my business as well. I continue to receive 5,6, and even 7 calls or more a day. I have advised multiple reps to read their notes and that I had let them know- I have no PRODUCT why should I pay for it. On top of all of this I am getting daily financing as well on the account.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter the XXXX  attempt to address this matter, I want to stress the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX {$7700.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6600.00} US DEPT ED XXXX Balance Owed : {$9000.00} XXXX XXXX XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im deeply concerned about the recurring errors on my report that continue to harm my score and limit my future opportunities. Seeing these mistakes time and again is frustrating and disheartening, especially when they are out of my control. Its unfair that Im being penalized for inaccuracies that shouldnt even be there. These errors are affecting my financial health and my ability to grow.
Product: Student loan

I have an AES loan. It was on hold w the pandemic. I have reached out ove rthe last year to see when I would need to start repaying and I can not get an answer. I am abroad, their website is blocked here. When I email the company, they email me back through the website and I can't access their response. I have tried to call but the wait times are so long I literally have run out of {$50.00} credit on just wait times about four times. I filed with the XXXX  but they couldnt help me. I need the company to actually talk to me and let me know when I need to make payments and how to adjust them based on my income. This is crazy how difficult they make this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The moment I received the duplicate of my report that I purchased with XXXX dated XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF, COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX INQUIRIES : XXXXXXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX.