23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I, XXXX XXXX, am applying for the XXXX XXXX XXXX XXXX XXXX and am having great difficulty with obtaining prior old loan servicing history in support of my application to Mohela for XXXX. Like millions of students, my student loan servicers have changed many times and there are poor payment history logs of these and prior servicers have since closed down. I am unable to obtain payment history records from my payments between XXXX in support of my XXXX  application as there were multiple loan servicers during this time including XXXX XXXX XXXX which serviced my loan between XX/XX/XXXX until XX/XX/XXXX ; XXXX XX/XX/XXXX until XX/XX/XXXX, and Mohela XX/XX/XXXX until current. 

My application has been sent and received by Mohela XX/XX/XXXX. My direct student loans with XXXX have been transferred/consolidated at that time to Mohela as instructed. My loans went into forbearance on XX/XX/XXXX, and were officially transferred to Mohela on XX/XX/XXXX. Payment history from my XXXX loans was not properly credited to my Mohela PSLF application and I have XXXX payments credits for my Mohela application when I should have XXXX payments from between XXXX XXXX Mohela AND another XXXX payments from when loan serviced by XXXX XXXX XXXX and the prior loan servicer before that. XXXX XXXX XXXX is now closed, no phone number and no website. I have called Mohela and XXXX to request prior payment history from my loans that I have been paying for XXXX years. I was able to receive payment history from XXXX for my payments from XX/XX/XXXX until XX/XX/XXXX when they were the loan servicer which I have sent to Mohela but am unable to obtain older student loan payment history in support of my application. This information should automatically be transferred when transferring or consolidating a loan to another servicer. It is beyond frustrating and simply not fair as I have been providing public service to children since XXXX and have been making monthly on time payments on my student loans since XXXX for 15 years while still having over XXXX to pay in student debt. Many thanks for your help.
Product: Checking or savings account

Wells Fargo Bank has closed my checking and credit card accounts with claim I am deceased. They told me they did not get authorization from the SOCIAL SECURITY XXXX to label me as deceased either. I have not been able to manage my accounts at all, nor make special deposits because of their error. I was able to do a Live Proof Claim with the banks notary. The XXXX of the bank located on XXXX XXXX in XXXX, XXXX said that I will need a new account and that the new account will have a monthly service fee which is an adverse effect on me because the account they closed did not have that monthly fee.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft pursuant to 18 USC 1028A, I never gave written authorization or written instructions to report this negative information on my credit report. Equifax is in violation of 15 USC 1681b ( 2 ) permissible purposes of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the inaccurate information on my credit report, as indicated below. After reviewing my report, I noticed a charge-off from 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 that I believe is inaccurate and needs to be investigated. I request that you verify the accuracy of this information with the original creditor. If this charge-off can not be verified, I ask that it be removed from my credit report immediately, as per the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN isn't Putting Accurate inofmation on my CREDIT REPORT, I send them a letter and they haven't answer back AS SOON AS POSSIBLE
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove it from my Credit Report. If you don't remove them i would like {$1000.00} per violation in accordance with the FCRA. XXXX Account number XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I order on line some impressions mold with XXXX XXXX I use affirm to make partial payments every months. Right after I received from XXXX XXXX my first mold impressions kit, I followed all the instructions and send them back Like they instructed. After that I received an email from XXXX XXXX saying that the teeth impressions mold were not good that they going to send me an other impressions kit. So, they did .... and I followed the instructions and send them back. I received an other email that I need it to re - take my teeth impressions again. This time I when to a dentist for assistance, they help me with my teeth impressions mold and I send them back thinking this is it. '' I finally are going to get my teeth ''. For my surprise they send me an email saying that the teeth impressions was not good. I immediately send them a email asking them for the reason, they never answered my email. I decided to cancel my order and since them, they still haven't refunded me my $ XXXX and they still charging my bank account for the monthly payment. I contacted affirm and they told me that they can not help me. Because is over the 60 days, I explained to them that I was dealing with XXXX XXXX  and they never returned my emails or phone calls, How I am going to continue paying for a product I never received. That's not fair for me as a customer. XXXX XXXX says that I need it to fill out a cancelation form, I filled out that cancelation form millions of time, even today I fill out an other one and they haven't refunded my money or neither closing the account. I don't know what else to do. And the good part is that every time I fill out the cancellation form they send me an email acknowledging the cancelation request. 
I feel like they are robbing me, and if I stop paying i will end up in the credit report. This has been a nightmare help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Balance : {$1700.00} XX/XX/2020 Debt does not exist and should be removed.
Product: Checking or savings account

I have a renter that electronically transfers rent too my account. A mistake was made by her or her financial institute instead of transferring the money in it was withdraw from my account. There was never any permission given for this type of transfer from my account too this person account. My bank excepted this transfer even though this type of transfer was never granted. My renter notified me of some kind of problem ( thank goodness for an honest renter ) I immediately contacted my bank. This withdraw caused my account to go negative by hundreds of dollars prompting a {$37.00} Overdraft charge. 
I would think there would be safeguards set up too keep this stuff from not happen. I would believe this should have never been posted into my account being no authorization was given to transfer funds from my account. I have transfers set up too some of my other banks I have accounts with. I had too go through a rigorous process too do this. 
The compliant I have why can just anyone withdraw from my account. In today age there should be safeguards in place for this not too happen. As a financial institution I would be embarrassed that this even happen but they are not excepting any blame.
Product: Debt collection

So, I did receive the documents from Vance Huffman, but again this is not mine. And I really am disgusted with the attitude that they project because just because there's a debt it must belong to me. Collection companies are all the same. I asked them if they had tried to contact me regarding this debt and she said they did, And When I asked when she told me by email. So, I went through all of my emails and there is no correspondence` from Vance Huffman or any phone calls or voicemails. In fact, the lady I spoke to was rude and inconsiderate and sounded like she was bothered by me asking questions that I have a right to ask. So, they slapped it on my credit report. And I will fight to get it off because it is not mine.
Product: Credit reporting or other personal consumer reports

according to FRCA law XXXX XXXX it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report now.
Product: Credit reporting or other personal consumer reports

This is related to my initial complaints. I have completed my identity theft kit as the Regions Bank requested. I am victim of identity theft. I have discovered that my accounts were compromised. I reported these to you and you helped me remove some of them and for that I am thankful, but some items require more information and they were left on my reports. Please help me. I am already XXXX and I have no one else to help me sort this out. Life has been really hard since the pandemic hit and I need my credit report to to apply for loans but I can't get approved because these fraudulent accounts and inquiries. Please remove them ASAP. This is my last shot in life. I have reported this to the credit bureaus but they don't seem to care. I have attached in this report my FTC report as well my ID, SS card copy, and proof of address.Here are the fraud accounts and inquiries that I need to be removed : FRAUD 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  For XXXX, I have paid them because they kept on harassing me even after I notified them that my identity was stolen. I've disputed that account and we are still fighting about it. It was an unauthorized charge. They don't want to support me. So I keep disputing it. That blood money was paid in full directly to the branch manager XXXX XXXX. He can vouch for this. I have attached the proof as well. I have contacted XXXX XXXX about their situation. I have the statements proving that there was XXXX years between the first charge and the one in question. They have opened another dispute about it. Also I called Regions bank to see if the manager was still there that I worked with. But he wasn't. They don't even know the account I'm talking about. How can they put a bad mark on my credit if they don't even have an account number??? They said they would try to help. But I'm not gon na hold my breath.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries and inaccurate personal information from my credit file. I need the following items removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Debt collection

Disputing amounts for a credit card that was opened back in XXXX. US Bank is still reporting information incorrectly on credit report. Resolved debt and still has not taken action to delete. 

Last date reported activity : XX/XX/XXXX Amount : {$590.00}
Product: Debt collection

Called multiple times and not one return call. Bankruptcy was discharged and they have refused to comply with removing from credit report. NOTHING -NO ACTION NO RESPONSE
Product: Money transfer, virtual currency, or money service

My moneygram online account was closed automatically by moneygram security for " security reasons '' and claim that I am permanently locked from using their service online, however am still able to use physical locations. 

The issue is I still have sensitive information stored on that account that was closed. They have my email, name, address, copy of my ID card, credit and debit card information and without access to my account I am unable to delete this sensitive information. 

I do not want such a terrible company to have all that information about me and want all of that information deleted including my account and anything that relates me to their terrible service.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$1800.00}
Product: Credit card

I received an email from Chase saying I could get {$30.00} off a {$150.00} purchase at Amazon.com on Prime Day ( today ). There were some conditions - all items must be shipped and sold by Amazon.com. I spent a good hour making sure that I met all the conditions for the sale. At checkout, the promotion code did n't work. I was told by Chase to contact Amazon. Amazon told me the deal was only valid until XXXX. There was no mention of that in the email that I received. The only time limitation was that it was valid on Prime Day. Today is Prime Day. I 'd understand if it was late at night, and maybe the code was set to a different time zone. But it 's XXXX.
Product: Payday loan, title loan, or personal loan

i don't normally check my bank account individual transactions, as I never use my bank account to pay for anything but bills. Recently however, I did check it, and I noticed this withdrawal from MoneyLion, and I don't know what it is. I went to the website, and I've never heard of it, nor have I ever used a quick cash advance app or service ( that's what it looks like ). I did not see a way to contact them on the website, and I XXXX  " MoneyLion withdrawing money from my account '' and I got a XXXX XXXX saying to use the consumer finance process, so I am here. I looked at my statements, and it looks like they've been charging me monthly fees, for a product I've never consented to pay for, since at least XX/XX/2021! 
I am attatching my most current statement balance, as well as the earliest statement balance I could find that has this fraudulent charge ( XX/XX/2021 )
Product: Student loan

Filing a complaint here as I don't know who to contact to get an answer. My loans were serviced by XXXX. I requested a refund on XX/XX/XXXX of my last payment made of {$21000.00}, made on XX/XX/XXXX during the payment pause. There was no activity from XXXX in months on the refund request. I finally get a hold of XXXX through phone and from complaint, and they tell me that my loans were transferred to Aidvantage and they don't have any additional information. 

So after receiving that information from XXXX, I contact Aidvantage and Aidvantage tells me that they don't even have a record of me on file. So essentially, my account information is lost or in limbo. Meanwhile, the deadline to request a refund on student loan payments is XX/XX/XXXX. I requested this refund back in XXXX! Now neither Aidvantage nor XXXX has my account and I can't login or view any information for either. 

Furthermore, I HAVE NOT received any communication, letters, information, emails, texts, phone calls, mail or anything from Aidvantage nor from XXXX to even let me know that they are my new servicer or that they have stopped being my servicer. Everything is being done behind closed door without my knowledge. Imagine if my bank transferred my information and accounts to another bank without my knowledge or communication. And then I also could not login to either institution and neither have information about my account. There would be some sort of liability there. But apparently these student loan servicers are not held to the same standards, duty, or regulation.
Product: Mortgage

My mortgage company DiTech has not paid the last installment of my XX/XX/XXXX taxes to the town and now the town is placing a lean on my property. I have had issues with Ditech several months after they assumed the mortgage at the end of XX/XX/XXXX, as they replaced the property address with my billing address. I called the company repeatedly trying to have them correct the address change - which was not cleared in the system. At one point the customer service person told me that I was wrong on the address and to stop bothering them. I was so angered as if one holds a note on a property, you would think they would know the correct street address, town, state the property resides. At some point early in XX/XX/XXXX, I was told the paperwork was corrected but of course, this was not the case. As a result, the taxes were sent in XX/XX/XXXX to the wrong county/state for XX/XX/XXXX. My accountant noticed the incorrect address when receiving my tax paperwork in XX/XX/XXXX from Ditech. I immediately started making phone calls to find out the taxes were never paid for XX/XX/XXXX and this was XX/XX/XXXX. I informed Ditech and they told me they paid the taxes as checks were sent out that week I called. But come to find out taxes were not paid until end of XX/XX/XXXX and it was a partial payment. This week the town is going to put a lean on my property for outstanding taxes for XX/XX/XXXX. I again have called repeatedly and they keep telling me they will look into the issue. I have asked for a supervisor to call me back but with no response. The customer service person accused me of not leaving a message with the supervisor and hanging up. This organization is the worst with repeated misinformation, lack of response and follow-up, inability to do the job they are entrusted to perform and rude customer service accusations. I have paid on time and never missed a payment and expect them to act with diligence as this lean could affect my personal credit. I appreciate any assistance you can provide.
Product: Checking or savings account

Navy Federal Credit Union has employees stealing thousands of my money everytime I spend it. They are making banking errors denying my claims and then reversing the denial and stealing the money. XXXX XXXX XXXX ( XXXX and XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) and and XXXX refunded me money and they keep trying to keep the money and not credit it back on top of trying to take money by fraudulently claiming false fees when I am not making credit but debit purchases. They also stole money from me when I reported my credit card information was stolen while in jail and while at the airport. They denied my claims and plan on keeping the money after closing my account. They cooperated with corrupt police officers in XXXX/XXXX  area and fraternized with them and stole money from my account trying to change the status of my case. On top of all of this they did not report all of my transactions on the documents given to me. They intercepted my calls as well.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed XXXX XXXX  has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/23 I file a dispute with Capital One Credit Card XXXX for a Charge of {$450.00} from XXXX by XXXX XXXX. Capital One Case # XXXX. 

On XX/XX/23 I check in the XXXX hotel around XXXX XXXX and check out on XX/XX/23 around XXXX XXXX due to the room being dirty and lack of internet service or TV. 
I went to the front desk and informs of this conditions to the clerk. She said that they were having some problems, apology, check me out and gave me a copy of the bill with {$0.00} charge. 
Capital One credited my account for the full amount of {$450.00} and them on XXXX XXXX 2023 Capital One Reapply the XXXX of {$450.00} to my account. 
capital One made this decision base on a Confirmation Showing No cancellation per policy received from?. 
I did not cancel my reservation I check in and OUT because of the dirty conditions of the room. 
I provided Capital One with copy of the XXXX XXXX XXXX with {$0.00} charge, also provide the phone # and name of the Hotel Front Desk Clerk and Supervisor in order for Capital One to Verify the Credit.They NEVER did. 
As of today Capital One is Charging my account the full amount of {$450.00} plus {$40.00} for late charge fee and {$12.00} interest charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit Report has negative information for over 10 years, which should be exppired. They have not done so to this day  XXXX   XXXX ,  2017 .