23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, my current employer completed the digital certification process to verify my ongoing employment at a 501 ( c ) ( 3 ) organization. This certification will increase my PSLXXXX qualifying payment amount from XXXX to XXXX, making me eligible to apply for Public Service Loan Forgiveness.

As the payment pause came to a close and my certification went unprocessed, I repeatedly attempted to contact MOHELA to understand the status of my employment certification, spending many hours on hold waiting to speak with someone. I was finally able to get through to a representative on XX/XX/XXXX and she acknowleged the delay in processing but said she wasn't able to see why my certification was still pending. She advised that she would place my loans in a processing forbearance for the time being, through the end of XXXX, to give MOHELA more time to process my documentation. I received a letter in my MOHELA inbox stating that my forbearance had been approved until XX/XX/XXXX. 

On the same date ( XX/XX/XXXX ), I received a billing statement dated XXXX in my MOHELA inbox, advising that I had a payment of {$580.00} due on XX/XX/XXXX. I assumed that this had been processed before the forbearance went through and disregarded it. 

As the payment due date approached, I called MOHELA almost daily. Because the tool that allows you to receive a call back instead of waiting in the hold queue is not functioning, I spent hours on hold over several days, never reaching a customer service agent. On Friday, XXXX, the payment due date, I waited on hold for XXXX minutes, interrupting an important work call to speak with the MOHELA rep once they finally answered. I asked him about the billing statement and he shared that my forbearance had actually NOT been approved and that I did, indeed, owe a payment due that day. He said that NO forbearance is allowed until the PSLF qualifying payment count shows XXXX, totally contradicting what the prior customer service agent shared. I received no correspondence from MOHELA notifying me that my forbearance had not actually gone through. 

The agent mentioned that there are significant delays in processing the digital employment certification submissions in particular, as the submission process was flawed, resulting in duplicate records being created, which now have to be manually resolved. He could not advise on the timeline for that resolution and told me there is nothing I can do, including submitting the verification in another format, as that would only create yet another duplicate record to be resolved.
Product: Credit card or prepaid card

I am a senior citizen on a fixed income. Fifth Third Bank, acting through its sham conduit XXXX XXXX has opened an unauthorized account in my name and is trying to make me pay for a product and service that I did not authorize. I employed a lawyer to resolve this matter and FifthThirdXXXX refuses to provide any evidence that I ever obligated myself to them. They are intentionally damaging my excellent credit rating by falsely reporting me as delinquent and refuse to desist. Their actions are deliberate, fraudulent and Deceptive. Please open an investigation and contact me if you require further information or details.
Product: Checking or savings account

In XX/XX/XXXX, I opened a spending account in the PNC bank. In the XXXX XXXX XXXXXXXX, I left for an XXXX XXXX XXXX. The payment problems started in XX/XX/XXXX. I couldn't pay by card. Support couldn't explain the reason to me. Since then, the situation has only worsened. All this time I've been writing and calling to the support service. I spent a lot of money on international calls. I was asked to leave a phone number to call back when they understand the problem. I left my foreign number, not the US number because Im not physically in the US. But they called the US number only, which does not work, since I am in another country. In XXXX, in a conversation with support, I accidentally found out that my account was closed and all funds were sent by check to an old American address. But I'm not in the country and I'm tired of repeating it. Why was the account closed? I didn't ask to do it. The system with checks does not work in other countries. I won't be able to cash it anywhere but the USA. But I will not return to the USA very soon. All the support of the PNC is very stubborn. They don't give any information ; they don't want to help. They have one answer, we can only do this and nothing else. Even if it doesn't work for me and I need to look for another way out of a situation in which it's not my fault, but the bank 's. They blocked my account for no reason and couldn't even explain. Recently, I accidentally found out that they sent me all the information by letter on paper to my old address in the USA. But I'm in another country! How many times to say? It doesn't concern them. They work like robots. Why not send all the information and reasons of blocking the card to my email? I get nothing but advertising from the PNC on my email. I'm desperate! My nerves are shattered. During all these months of proceedings, no one has given me the correct information. I need this bank account, I need these funds from the account, but no one understands anything that needs to be done in this bank.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX XXXX : Acct # xxxxxxxxxxxx To Whom It May Concern : This letter is regarding account # Xxxxxxx which you claim my account was charged off {$1500.00} This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including Experian, Transunion and Equifax ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted a {$23000.00} check it was a third party check of my son 's that I'm the power of attorney for his finances well he's XXXX they cashed the check on XX/XX/XXXX and it was submitted into a family members account and they were {$850.00} overdrawn and since then they refuse to release the money to me so they were supposed to release the money back to my lawyer and as of today they have not yet and here it is 6 months later so I expecting XXXX after they take out {$850.00} buck
Product: Debt collection

I borrowed {$1500.00} from Maxlend. I had asked several times what the APR rate was and they danced around the answer. They told me they would charge {$170.00} per month and they have taken out {$170.00} per WEEK 3 times within a few weeks. Charging me almost 600 %. They didnt answer the phone when I called to dispute these unethical practices.
Product: Credit card or prepaid card

I am an XXXX XXXX service member and have a XXXX and XXXX card with American Express. I previously sent a complaint on here that they were not honoring the Military Lending Act portion of the Service Members Civil Relief Act. After contacting the Consumer Financial Protection Bureau they correct the error with the XXXX card and return the fees and interest associated with it. I contacted them to do the same with the XXXX XXXX and they are giving me the same run around they did with the XXXX. I've messaged on their chat feature and spoken on the phone with the representatives and nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of Accounts below has Violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX account Account number : XXXX 15 U.S.C 1681 Section 602 A. States i have right to Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Ref : WU Tracking number ( MTCN ) : XXXX XXXX XXXX This is a continuation of the complaint made earlier. In response to my previous iteration of the continued complaint of XX/XX/XXXX, I received a letter from WU, which is identical to two others. 

So far, I have done everything I could do, including getting official record of denial from the recipient, the XXXX XXXX XXXX XXXX, and the CEO of the XXXXXXXX XXXX  But I have recieived no record from WU that the bank has received the transfer from WU, as WU claimed again and again. The bank can not tell me one thing and WU the complete opposite. I must have a record from WU that they have received a direct note saying that they received the transfer. The pro forma notice of deliver that I have received from WU and repeated several times no further information will not do. I just responded to WU and here is what I wrote : My note of XX/XX/XXXX to WU XXXX Dear XXXXXXXX XXXX, This is the third time you are asking for the same information from me. I had provided that on my first response. Here it is again : 1. I had asked for the bank account statement of the receiver. I was told by the CEO of the company that it is unethical for WU to ask for that information.2. The account information of the receiveris attached again. 
While I have attempted to do whatever you have asked me to do. I have even complained to the XXXX XXXX XXXX  and then to the CEO of XXXXXXXX XXXX I have only received official denials of receipt from the receiver, the bank manager and the CEO. In my capacityas a private individual, anything else is beyond my capacity. 
While I have provided all these documents, you have not provided any record that XXXX XXXX  has told you that they have receivedthe transfer. I must see that to satisfy my need. I want to see how the bank can tell me that they did not receive the money ( in fact can not possibly receive it for lack of what they call, an agreement with WU ), yet tells you theyreceivedthe funds. I can not know what that agreement is. Only you can. You have consistently avoided giving me information to prove your case. 
XXXX XXXX ( I am attaching the account information of the recipient here )
Product: Debt collection

I received a letter of alleged debt owed to this company and I have no recollection of doing business with this company a or providing contract with a signature about this debt
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Cosumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E.These actions have caused me significant inconvenience and financial loss and I seek appropriate redness for these violations
Product: Student loan

Good Evening, I am currently enrolled in a Master 's program at a school where I received a XXXX XXXX ( this is important ). I already have an up-to-date student loan that I make auto-payments for each month. I decided to pay for my Master 's out of pocket. 

There was an opportunity to Study Abroad next year and my Advisor told me to apply for FAFSA to see if I qualified for a scholarship for that program. I knew I would not qualify for FAFSA, but he told me to fill it out anyway as a step towards the Scholarship application. 

Next, I logged onto my account online for the school and there was a disbursement of over {XXXX} for each semester this year. Luckily I did not have my bank account information loaded, so the funds were not deposited into my bank. However, they were showing online for the school as a, " refund '' - an unsubsidized loan. After some struggling, the school corrected the issue on their website. 

However, now a check was sent to me today, XXXX. I shredded it and looked online and found that the loan amount for this semester has been tacked onto my student loan through Great Lakes XXXX. It is showing that I owe this amount, plus interest, and a {XXXX} fee. This is baffling to me, how they have the ability to add this to my bill without any confirmation or agreement. 

I never asked for this loan. I never signed a paper agreeing to receiving it. I only applied for FAFSA as a step to apply for the Scholarship. I am confused as to how they can do all of this without a signature or approval, and I am afraid that it may be showing on my credit. I am going through the steps to get the money taken off of my student loan account, but I need to make sure this does not affect my credit. This is not something I asked for. I have lots of emails for correspondence to show that they did it without my permission and that it should have been taken care of. 

Please let me know if you need more information. 

Thank you for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains misleading information governed by 15 USC 16c-2, which I believe is damaging my credit. The hard inquiries listed were not approved by me.
Product: Credit card or prepaid card

Capital one bank has suspended my credit cards for making a payment in full. 2 weeks ago I made a payment and they insisted that I conference call in my bag and verify that I'm the owner of that account which I did. Today I made 2 more payments to pay recent charges in full and they suspended by accounts and insisted that I have to upload a bank statement from where the payments coming from to verify that I am the owner of the account. This is the same account which I verify under 2 weeks ago. I don't believe the bank has the right to see my other personal bank statement to verify that I'm the owner, nor do I believe that they should think making a payment in full is a suspicious activity and suspend the use of my card. They gave me no explanation why I had to verify the account other than suspicious activity and why one time it was OK to verify via telephone but now they need me to upload a full complete bank state. When they first notified me of this, about 3 or 4 days ago, they said all I needed to do was upload a screenshot of the account showing that the payment came out of my account, which I did. Now they will not accept that same proof. I'm reluctant to use the card and may have to cancel it because I feel every time I make a payment they're going to ask me for a bank statement, which I believe is none of their right to require. I've had this particular card for close to 30 years and I feel severely mistreated and disrespected by this bank. Please let me know If Capital One Bank has the right to ask me for a statement from a different bank to prove that I am the owner of the account from which I make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. This is a second requests. Note that I am not a credit repair company nor mortgage company. Please remove these accounts from my credit profile. I am currently active in the U.S. Military. There are credit card laws that protect military members to those who are currently working overseas. Please remove any negative remarks from my credit reports.
Product: Mortgage

I have qualified for the Homeowner Assistance Program ( HAF ). The XXXX XXXX loan/grant could help me stay in my home. The agency keeps telling me to wait on mortgage carrier while the mortgage company keeps saying nothing was sent then sending increasing amounts of modification paperwork. 

XXXX XXXX XXXX Quality Control Reviewer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Escalations to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Rocket Mortgage continues to over-withhold escrow and enforce the payment of double the correct amount on what the correct payment should be. The claim that the team is putting my loan through an " escrow analysis '' yet have refused to put any details in writing despite assuring me ( over the phone ) that the withheld amount is higher than what the taxes should be. They continue to defend their misguided escrow tax calculation by presenting me with information concerning how they arrive at the estimated amount but none of that matters because it's just WRONG. I have been told 7-10 business days on several occasions beginning around XX/XX/XXXX. That never happened. I already overpaid XXXX. At this point there is enough escrow withheld to cover the entire year of 2022. Each time I call Rocket Mortgage they continue to tell me that the escrow analysis is still in progress and that I'll receive a refund check when it's completed. Yet they will not acknowledge any of this in writing or via email. I just over-paid my first mortgage payment to them in the month of XXXX and from my past dealings with them, I would not be surprised in the least if they can not manage to correct the issue by the time my XXXX payment is due. This company is violating consumer rights. By law, they have no right to demand that I make large escrow payments which are completely inaccurate. I have also verified with the local tax authorities that they are wrong in their estimation and that there are not any planned tax increases in the fiscal year 2022.
Product: Credit reporting or other personal consumer reports

This is my XXXX  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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$320.00} XXXX  XXXX Balance : {$5900.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I had an account that was closed years ago, and settled in good standing because of the pandemi in XXXX today XXXX several different inaccuracies were reported to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

I originally disputed with Experian on XXXX/XXXX/15, I received a response dated XXXX/XXXX/15 stating that my dispute was " suspicious '' and was not sent by me. I 'm not sure how they verified this information when I even included my drive'r 's license, a current utility bill, my signature, social security number on the letter. What more do they need from me? You will see all of this in the documents that I am attaching with my complaint.
Product: Checking or savings account

There was fraud done to my debit card of over {$300.00}. Some of the transactions totaling an amount of {$33.00} extended beyond a 60 day period. When I made my claim the agent told me that transactions that exceed 60 days would be rejected so I then told him not to even put anything on my claim that exceeded the 60 days then. So to my knowledge he processes the claim for the transactions within the 60 day period and rendered me a temporary credit. Now a week and a half later I am seeing that the claim was denied because the agent did in fact put the {$33.00} worth of transactions on the claim and therefore the company has denied my entire claim. The issue is I had already used the funds from the temporary credit and there were also funds deposited in my account that were snatched out due to the temporary credit reversal. I needed the money that was deposited into my account to feed my child. I called and explained to them and theyre not trying to help. All of this is occurring due to a mistake that wasnt even made by me and why would I be given a credit for something that is automatically going to be denied. This is unfair to me as a client and I dont feel like my finances are protected by this bank.
Product: Credit card or prepaid card

A payment for {$3400.00} was send on XX/XX/23 to Ally. They endorsed the check on XX/XX/23. This amount still have not be credited to my account XXXX. Provided Ally a copy of the process check on XX/XX/23. Talk them today and they open an investigation ( take up to 14 days ). Also, I have problems with them processing larger payment {$1600.00} on XXXX. It took Ally seven days to credit my account. Payments under {$500.00} will be applied the next business day.