23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been trying endlessly to get my PSLF application processed through nelnet and/or studentaid.gov. 

Customer service reps do not answer questions or give accurate information. They continue to copy and paste the same messages. 

The payment pause was used as an excuse for poor handling of my application. 

There is XXXX info on payment count updates and reps do nothing at all to help you.
Product: Payday loan, title loan, or personal loan

Requesting my account to be closed due to MLA. Company says I opened the account XX/XX/XXXX so Im not covered. I filled out a new application in XX/XX/XXXX and I received funds XX/XX/XXXX. I checked the box that asked if I was in the military. I also at the time didnt know anything about Military Lending Act but the company was aware of the MLA. They were supposed to deny my application but they didnt. Once I was aware of this later on down the road I reached out to the MobiLoans support team. I was told I was still responsible for the loan and the fees and the Military Lending Act did not cover me. After doing more research Im not responsible for the exaggerated  fees and APR. Im requesting my account to be closed due to the violation of the Military Lending Law.
Product: Mortgage

My wife & I had a FHA backed XXXX yr mortage serviced by XXXX XXXX XXXX, signed in XXXX, XXXX. We filed for Chapter XXXX bankruptcy protection in XXXX XXXX, including our mortgage in the filing. All mortgage payments & arrearages were being serviced per our Trustee 's Agreement on time, & without prejudice, even as we attempted to refinance our mortgage to a much more advantageous rate. We finally found someone to do an FHA Streamline on our mortgage, when we were informed that XXXX XXXX XXXX filed an insurance claim in XXXX XXXX against our FHA MIP due to our loan " being delinquent. '' Our mortgage was then " picked up '' by Caliber Home Loans, whom we were informed would be our new loan servicer. We were also told we no longer had an FHA Loan, according to Caliber. We have no idea how we could be taken out of our FHA loan-preventing our Streamline Refinance- & put into some " XXXX status '' as we were informed that our mortgage is now in. In addition, we are still paying FHA MIP payments in our mortgage payments on our mortgage since Caliber took over our mortgage, as well as we have yet to have our mortgage payments be reduced after a significant drop in our homeowners policy as well.
Product: Student loan

In XX/XX/XXXX I consolidated my Student loans through the U.S. Dept. Of Education. I combined all my loans in to an Income Contingent Repayment loan. I have been paying these loans on time without issue since XX/XX/XXXX. Recently on XX/XX/XXXX I received a letter form Reliant Capital Solutions ( a collection agency on behalf of the U.S. Dept. of Education ) claiming that I had a student loan that was not paid and a balance of XXXX. 
I called the collection agency and explained that this could not be mine as I have been paying all my student loans without issue since XX/XX/XXXX and all my loans were consolidated in to an ICR loan in XX/XX/XXXX. I asked them to send me proof of the original debt and they said they would send the original promissory note with the original documents. 
On XX/XX/XXXX I received a packet from Reliant that had nothing to do with this outstanding balance they claim I owe. they sent me copies of my Loan consolidation paperwork from XX/XX/XXXX. So I called back and explained what they sent me. I told them that my ICR paperwork DOES NOT prove this alleged debt. So I asked again for proof of this alleged debt, they said this was all the paperwork they had from the US dept. of education. So I told them that if they can NOT provide proof this debt belongs to me they must cease all collection attempts and close this matter. again they said they would send me the proof. I have to date received NOTHING. 
So I called the US dept of education. they told me that this debt was from XX/XX/XXXX and they see that I went through them inXX/XX/XXXXto consolidate my loans, and they were aware of this loan in XX/XX/XXXX. and if I consolidated in XX/XX/XXXX it should have been a part of my consolidation. I explained that this is why I don't believe this loan is actually mine and I once again demanded they provide with original proof of this loan. 
they said they would. However as I have stated earlier I have not received anything from Reliant or the U.S. Dept. Of Education since. 
I sent a formal Dispute and demand letter by certified mail on XX/XX/XXXX. In that letter I stated again that I was disputing this loan and demanded original proof of this debt. I also requested a response within 30 days of receipt of the letter. It has been over 30 days and again Zero communication from them.
Product: Bank account or service

I was automatically signed up for PayPal Credit, without giving me the full picture. I never wanted to apply for a credit line, nor did I see anything while signing up for regular PayPal warning me I was signing up for PayPal Credit and it would pull my credit. The instruction was very misleading and I thought I was using my paypal account balance to pay for my purchases. My credit reports were then pulled without my knowledge. My credit reports were pulled based only on the last XXXX digits of my ssn, my date of birth and home address ( per XXXX ). This was completely against my experience where other companies asks for much more personal information before pulling my credit reports. My credit scores drop significantly after paypal credit pulled my credit reports. I tried to dispute with XXXX but it wo n't remove the inquiry. I contacted with paypal credit but it did nothing to help me remove the credit reports inquiry.
Product: Credit card or prepaid card

I opened my Chase Sapphire XXXX credit card ( XXXX ) and paid my Annual Fee of {$95.00} on XX/XX/2022. Chase closed my account without reason shortly after ( less than a year ). I requested my annual fee back and they refused.
Product: Bank account or service

Personal checks. Money Order vs. Certified Check. Which one has more protection? Certified Check? WRONG!!! I purchased a certified check in the amount of {$2400.00} which cost {$8.00}. We purchase certified checks as a way of the insuring the transference of funds between XXXX entities. I made the grave mistake of trusting the USPS to deliver the check without certifying it first. I simply addressed an envelope, inserted the check, and mailed it. I assumed the check would reach its intended destination within XXXX3 business days. Needless to say the check was lost in the mail. I called TD Bank to stop payment on the check. I even had the lawyer the check was intended for on the phone when I called the bank supervisor. I was shocked to find out that they do not stop payment on certified checks until 90 days after the initial check certification. The lawyer I owed us now in the process of suing me on behalf of the doctors I initially owed and I do n't know what to do. I do n't understand how certifying the check ( for {$8.00} ) really protected me. A money order would 've been able to be stopped however money orders can not exceed {$1000.00}. I would 've had to buy XXXX money orders at {$3.00} each ( $ XXXX $ XXXX $ XXXX {$2400.00} ). I was under the assumption that a bank check had more protection than a money order or personal check. Well, I was mistaken because anything other than a certified check can be stopped immediately without a XXXX waiting period. I am now trying to do everything in my power to get my money back but TD Bank will not budge. At first, the branch manager said he would stop payment. He emailed me a Declaration of Loss form which I signed, notarized, and returned. After he submitted it to his supervisors, he called and said that bank policy states that I must wait 90 days to declare the check lost. Even after I declare the check lost, I still have to wait until the bank completes an investigation before they release my my back to me. The irony is that the bank has the money in their possession as I am telling them that the certified check was lost. They would rather play a wait and see game than reverse the check. I do n't get it at all. They tell me that this is the policy at every bank, but I do n't think that is true. Is it?
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted multiple complaint letters to franklin collections & all credit companies that this is a error. they still have not brought my dispute a resolution. they failed to send me any response in regards to this issue
Product: Credit reporting or other personal consumer reports

Created account with Early Warnings. Submitted a request regarding my consumer report and uploaded DL picture. After 3 days I was unable to login into account with notice account/password incorrect or location restricted. I successfully submitted request to change password and received an email where request was denied without explanation. I called Early Warnings where representative explained that account access available 6 times to log into it. Im concerned about this. However, I was notified that report will be sent to the email in 30 days. On the XXXX XXXX Early Warnings page where company must provide report in 15 days.
Product: Debt collection

I received this SMS message on XXXX at XXXX PT for a credit card collection that I have never had. The sender 's phone number is XXXX _______________________________________ This message is from Spring Oaks Capital , LLC. 

We have options available to help you pay off the debt on your account. Pay off the balance of your account with payments of {$71.00} per month for 9 months. 

To set up a payment plan, visit XXXX. Have questions? Reply to this text or call XXXX. We have agents ready to respond during normal business hours. 

This message is regarding your XXXX XXXXXXXX account originated by XXXX Bank, which is now owned by Spring Oaks Capital SPV , LLC. 

We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.
Product: Debt collection

I am writing to file a formal complaint against Professional Debt Mediation regarding their collection of a debt for the original creditor, XXXX XXXX, in the amount of {$4500.00}. I want to bring to your attention that I do not have any contractual agreement with Professional Debt Mediation or XXXX XXXX. 

On XXXX XXXX, 2024, I reviewed my credit report and discovered an account in collections under Professional Debt Mediation. Immediately, I contacted Professional Debt Mediation to inform them that I have no knowledge of this account and requested specific information. 

During my initial conversation, I requested that Professional Debt Mediation provide me with the following information : 1. Documentation identifying the original creditor. 
2. A copy of the original contract with my signature. 
3. The complete payment history for the account. 

Moreover, I emphasized the importance of receiving this information in a timely manner or requested the removal of the debt from my consumer report. However, to this day, I have not received any response from Professional Debt Mediation. 

In an attempt to resolve this matter, I reached out to Professional Debt Mediation again on XX/XX/ 2024, seeking an update on the requested information. Unfortunately, they still have not provided any response or acknowledged my request. 

I strongly believe that Professional Debt Mediation 's failure to respond and provide the requested information is a violation of my rights under 15 USC 1681c-2 and 15 USC 1681b . This situation has not only hindered my efforts towards employment and personal growth but has also caused significant distress and inconvenience.
Product: Credit reporting or other personal consumer reports

Hi, this is stressing me out, I value my credit a lot but the inaccuracies in my report has negatively affected my financial opportunities as well as my mental health, hindering me in achieving financial stability.
Product: Checking or savings account

On XX/XX/XXXX, I first went to my bank and withdrew {$400.00} in cash and went right over to Citibank and deposited it there to my other account. I received two receipts for the deposit, but the money never showed up on my Internet account, nor did it show up in the records of Citibank in the XXXX. I spoke to XXXX at about midnight on the XX/XX/XXXX and she said she did not see a {$400.00} deposit. I spoke to XXXX at approximately XXXX on XX/XX/XXXX in the executive response unit in XXXX XXXX , TX , and he said the money was in my account, but I looked at my internet just before I called him, it was not in my account online. I then called the assistant branch manager XXXX, who was at a different branch in XXXX XXXX, as the branch manager was at a meeting and not in the branch. This afternoon, I went to the branch manager and told him the problem and he basically said I was a liar!!! He did not try to see what went wrong and did not take any responsibility and it didnt even ask my name. 

When cash is deposted it is supposed go into my account and show in my account immediately, but it didnt until approximately XXXX on XX/XX/XXXX. I have never had a bank do this to me. 

I pulled all my money out of my account at Citibank and left the account open, but also canceled my direct deposit, as I do not trust this bank! 

There is something very wrong with XXXX in XXXX, CA
Product: Credit reporting 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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  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 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 than 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: Credit card or prepaid card

I sent a letter to Goldman Sachs/Apple Card requesting information about my account AND a letter stating that in accordance with 16 CFR 313.2 - 7, 15 USC 6801 - 6805, the Fair Credit Reporting Act, and The Privacy Act of 1974, as a federally protected consumer, I am exercising my right to opt out of any and all authorizations that I, the consumer, may have given to report my information to a third party ( i.e., credit reporting agencies, etc ). I rescind all consents given to any company in written form, unwritten, verbal, or non-verbal effective immediately and indefinitely. This was after I received an online statement stating that I owe them a debt in the amount of {$1700.00}. I explained to Goldman Sachs/Apple Card that I conditionally accept their offer to pay this account in full upon proof of lawful claim pursuant to 12 CFR 1026.13 ( a ) ( 5-6 ) and 15 USC 1666 ( b ) ( 5-7 ) and with their assurance that they will accept payment in direct and immediate exchange for the ORIGINAL instrument of indebtedness in its ORIGINAL form. I requested this documentary evidence of accounting pursuant to 15 USC 44 for all accounts in connection with me in order to address thee billing error for the account in question. I need clarification about how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS publication XXXX as the XXXX on the public side and on the private side showing accounts receivable and accounts payable ( XXXX  ).
Product: Checking or savings account

SoFi restricted my account due to unforeseen circumstances, I called them to provide any sort of information to get this sorted. They said it was due to a XXXX transaction but did not clarify why when XXXX is setup through their app and they asked for the senders information which I provided the phone number for. They refused to explain why it wasnt a valid phone number and continuously told me that it wasnt a valid number. They wont remove the restriction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
3. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : XXXXXXXX XXXX XXXX | XXXX ; USAA | XXXX | XXXX ; USAA | XXXX | XXXX. 

According to : 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 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 than 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: Checking or savings account

This is now my fourth complaint about my case with Chase. Every step of the way I have provided Chase with information and they keep coming up with new reasons to deny my claim. Every time they deny my claim and provide the reason why, I have provided proof as to why they are wrong, and then they come back with a new reason to deny it. For over a week I have tried to reach a manager at the executive office who can handle my claim, because the person on my case is either never in the office, unreachable on the phone, or when I can reach her- she can't provide ANY answers to my questions or any useful updates. Every time I ask for a manager they say it will be 24-48hrs for a call back, but I've asked for this for over a week and never received a call from a manager. I spoke to my family lawyer about my case, gave him all the proof and details that I've given chase, and he said this should be sufficient to be protected under Regulation E. Chase keeps coming up with new reasons which make absolutely zero sense and have zero proof behind them. At this point, it does look like I will be opening a lawsuit not only to recover my funds but for damages as well. My bank account has been negative for over 10 days now, nobody is reaching back to me, and I have bills to pay. I'm in XXXX XXXX  with zero income- but my parents will be paying for a lawyer to arbitrate. Chase has not held up their fiduciary responsibility and has not treated me right as a customer, they keep making me run in circles rather than speaking to me or providing me with any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding inaccurate Hard Inquiries that had been run into my credit report without my acknowledge or permission.

I have Identified herein the items that I am disputing ( Identify as Disputed items ) here is the company name. I never signed or had a record voice given my permission to run my credit and affect my credit with a Hard Inquiries causing my to reject me to any application for a loan or a credit card application. 

My Credit profile is clear and As personal statement ( ALERT : FRAUDULENT APPLICATION CALL BEFORE RUNING THE CREDIT. 

ATTACHED YOU FIND A COPY OF MY STATEMENT.
Product: Debt collection

Im not liable for this debt with USCB America. I do not have a contract with the collection agency trying to collect and reporting this to my credit report. They did not provide me with the original contract as requested. This is a violation of my HIPAA rights as a consumer. In particular privacy rule 45 CFR parts 160 and 164.

I demand this account removed my credit report.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX