23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The company has not applied monies accurately to my account. 
On XX/XX/year> I settled with the company for 25 % and not 40 % which was inaccurately stated by XXXX. 

The settlement balance were calculated inaccurately at 26 %. ( Letters attached ) As a result 3 loans XXXX, XXXX, XXXX were overpaid and monies were no applied accurately to XXXX. 

On more than 5 occasions I was advised that these loans were fully paid only to here upon inquiry that loan XXXX still has a balance. 

I have attached copies of the letters and calculations that should have been on these loans.
Product: Student loan

I have 2 issues that I have been trying to resolve. 

Issue # 1 : On XX/XX/XXXX, I faxed over my application for the Public Service Loan Forgiveness ( PSLF ) program. I also submitted a second application for PSLF on XX/XX/XXXX. The XXXX application was for my years of XXXX service in the USA starting XX/XX/XXXX and the XXXX application was for my years of XXXX  service between XX/XX/XXXX to XX/XX/XXXX ( I left the USA to XXXX abroad for 3 years ). 

On XX/XX/XXXX I was notified via letter that my XXXX application was denied due to incomplete information. I refaxed again on XX/XX/XXXX to which they denied again on XX/XX/XXXX due to missing information. I faxed again on XX/XX/XXXX. I called on XX/XX/XXXX to inquire about the status of my application and the CSR told me that it was never received. She told me to take a photo of it and upload via website which I did that day. Finally, on XX/XX/XXXX I received notification that my PSLF  application was received and processed ( original application sent XX/XX/XXXX )! 

I have called several times to inquire about the number of qualifying payments I have that count towards PSLF. Every time, I am told to call back because they have not been processed or calculated ( see attached phone records ). To resolve issue # 1, I want to know how many qualifying payments I have made towards PSLF. According to the notice I received on XX/XX/XXXX for my XXXX application, qualifying payments are calculated within a few weeks. However, it has been since the end of XXXX and noone can tell me how many qualifying payments I have made! 

Issue # 2 : On XX/XX/XXXX I sent my annual Income Driven Repayment ( IDR ) plan request. On XX/XX/XXXX I received notification that my payments would jump from {$0.00} to {$940.00}. I called and CSR told me to resubmit an application and check the box for " lowest monthly payment ''. I immediately did this and on XX/XX/XXXX, I received notification that my application was denied. I uploaded again on XX/XX/XXXX and it was denied due to insufficient documentation. I uploaded again on XX/XX/XXXX and was told that I would receive my updated payments by XX/XX/XXXX. After still not hearing anything, I called on XX/XX/XXXX to inquire about my 5th application for an updated IDR payment plan and was told that I need to make a {$5.00} payment to complete the application process- that is what was holding up my application. I explained I never received notification that I needed to do that! I made payment and was told to wait for my new payment amounts. 

To resolve issue # 2, I just need to know what my new payment amounts are!
Product: Credit card or prepaid card

I made a puchase with Lowe 's on XX/XX/XXXX in the original amount of {$1400.00} on an 18-month, 0 % interest promotion. My credit card is set to have all payments allocated to promotional balances, first. Steadily, since that purchase, every payment I've made has been well in excess of {$200.00}, and lately, closer to {$350.00}. {$140.00} of my payment ( approximately ) is first paid to a fixed payment purchase I made earlier in the year. The rest of my payments should go to the promotional balances. On XX/XX/XXXX, this promotion balance ended and I was charged over {$700.00} in interest. When I contacted Lowes on  XX/XX/XXXX, they stated I still had a balance owed on that promotion of {$1100.00}. I requested a review of how each payment I had made since the promotional purchase was applied to my balance. The chat representative said that he could give me the payment allocation over chat, but would not be able to send them to be in the mail or e-mail claiming " security reasons '' for why he couldn't send it via either of those methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN!!! APPARENTLY BMG money isnt reading what Im adding on these complaints. I have submitted this 4 times. I have requested paperwork regarding the bank that they claim which theyre lying stating I added a bank to receive money!!!! Give me the information Im requesting. My phone number is XXXX. Email XXXX I need all information to give to my lawyer now.
Product: Debt collection

Never received any notice or option to pay off debt. Account was closed as charged off and never was presented option to pay off and now this is showing on my credit report negatively and holding me back.
Product: Student loan

This company does not care about its loan Borrowers. Their website is terrible you can not sign in I called them to resolve it and I still ca n't sign in. I do n't even have public loan forgiveness anymore so I should be transferred elsewhere and they could n't be bothered either way. I believe I received incorrect information from the customer service. And I am incurrening interest while trying to pay these bills down due to the negligence. I also use their email to contact them to complain and never received a reply.
Product: Money transfer, virtual currency, or money service

On the XX/XX/, I got a call from an unknown caller saying He was from XXXX XXXX. He told me that someone has tried to use my account details for fraud. He said that he would have to move all my money from XXXX XXXX  to Revolut because my account is under investigation for fraud. He then had me download the Revolut app and sign up which I did. I believed him because he said he was from XXXX XXXX  and he was very convincing. He had me move my money from XXXX savings account into my XXXX current account and then he told me to move some money into the Revolut account ( first i transferred XXXX then he had me transfer another XXXX ( I have uploaded a picture ) Altogether I moved XXXX into the Revolut app account. 
When I realised that the balance in the Revolut account is XXXX and there has been a deduction of XXXX and XXXX and money had gone to a name called XXXX me XXXX XXXX, I realised it was fraud then I called XXXX XXXX  ( my bank ) immediately. Then when the caller realised I had XXXX XXXX  on my land line phone, he cut off the line. 
I contacted XXXX XXXX  and they told me to contact Revolut. I contacted Revolut to help me resolve the issue and they said they are unable to recover my money. They said the transaction is invalid which is unsatisfactory because I did not take the money from the Revolut account. The scammer took the money. The balance in the Revolut account is now XXXX. The money I transferred from my XXXX XXXX  into the Revolut account was taken by scammer. They used the name XXXX me XXXX XXXX. 
I have asked Revolut to recover my money but they said the transaction is invalid which is not true. I believe they can trace where my money has gone to but they are not doing that. 
which is why I am contacting you. Please can you help me look into this issue. 
Please can my money be refunded back to me as soon as possible. I need my money back. I dont have a job, I lost my job, I am unemployed. Please help me recover my money. 
I have also reported the case to the police. Here is my crime reference number : XXXX 

Thank you very much.
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report recently and I discovered that there XXXX accounts reported that I did not give permissible purpose, 15 USC 1681b. The information that is reported has and is adversely affecting my character, creditworthiness, reputation, and mode of living. As a consumer, described under 15 USC 1692a ( 3 ), this is a clear violation of several federal laws including the FCRA, FDCPA, the GLBA, and Title 18 under Identity Theft. 15 USC 6801 & 6802, emphasizes the importance of securing non-public personal information and the agencies knowingly and willfully possessed and transferred this means of identification without authorization, which is a clear indication of 18 USC 1028 Therefore, I kindly demand a block of all the accounts, per 15 USC 1681c-2 ( a ). Accounts : XXXX XXXX - {$1500.00}, XXXX XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX - {$1000.00}, XXXX XXXX XXXX XXXX {$540.00}, Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a capital one credit card open last year when I was under age and I never knew about it. This year ( XX/XX/2024 ) I have dispute it off my credit report and it have been investigated as accurate but it still affecting my credit and I did not open this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Oportun put me on a hardship program due to the pandemic and they have reported me 30 days later and have completely ruined my credit. I have been in constant communication with them throughout the months and have not stopped paying the minimum they have asked of me. I am currently going through the process of getting my XXXX  claim reprocessed due to fraud and have not received a dime since XX/XX/2020. The state knows this is happening to my XXXX  file so they have been giving me XXXX XXXXs meanwhile they sort everything out. I find it extremely unfair that Oportun would do this to me now that Im struggling. I have spoken to customer service consistently and I know the calls are recorded for the record. My credit score decreased XXXX points and now I will be unable to get a car and the apartment I was looking forward to once I go back to work. I wish i didnt have the underlying conditions I suffer from or else I wouldve never stopped working. I have XXXX and get mild XXXX and mild XXXX when I get sick. First it was my income now its my credit it feels like I cant catch a break.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that are inaccurate. I have 4 XXXX items that are incorrect and should be removed immediately XXXX, XXXX, XXXX and XXXX. Also, XXXX XXXX XXXX and XXXX XXXX are incorrect. Ive reach out to your customer service department, they did not help me to remove the negative inquiries reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My balance was paid to {$0.00}. I contacted each individual credit bureau ( XXXX, XXXX, and Experian ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45  days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachment. I am accused of a serious delinquency. I ask for WHAT and PROOF. I DENY any serious delinquency.
Product: Mortgage

Our home loan with XXXX was sold to Mr.Cooper without our knowledge or notification. We only found out when we realized (yesterday, XX/XX/19) our automatic bi-weekly payment was not taken out of our checking account. I've tried to set up the automatic payment on Mr. Cooper's website and apparently can't set it up to do bi-weekly payments. I'm unable to get help because they don't take calls over the weekend. We are wasting our time dealing with this. We didn't ask for this and want to file a complaint.
Product: Credit reporting or other personal consumer reports

victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.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 XXXXXX/XX/XXXX
Product: Mortgage

My mortgage loan account was transferred to the Shellpoint Mortgage from my original lender Ditech in XX/XX/2019. I made a payments to the Shellpoint but it shows up on my credit reports as a 30 day late payment in XXXX on my XXXX  and late for XXXX on XX/XX/XXXX and XX/XX/XXXX. I contacted Shellpoint to get this corrected and I was told that when it transferred that there was a 60 day grace period and it should not be reporting on my credit report as a late payment. I have been contacting the company and talked to different customer service, Tier2 supervisors and Managers about the issue and they agree that there is a mistake on the reporting of my account and that they would get it corrected. I recently talked to a manager and he told me that it should not be reporting late and he would escalate the issue to be resolved asap. I have not had any corrections made and I need this to be resolved ASAP.
Product: Debt collection

I have received numerous calls due to a past due credit card payment- I answered while on a brief break at work, the woman on the line asked if I was ( First, Last name ), in which I replied yes. she then disclosed the debt, where it was for, amount, due dates, all details without first verifying my identity, or that I was in fact the borrower. Anyone can say yes to this question. I am extremely upset that they would disclose this personal information to anyone who would say they are me.
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Comenity Bank, Children 's place store card
Product: Student loan

I was paying my loans monthly for 2 years on time never late. Was paying XXXX a month on XXXX loans .Was taken off off payment plan that I was on and never advised until sallie mae began taking double the amount from my checking account for my monthly payments. I contacted them and was advised that that program ended. When I told them I could not afford the XXXX + a month they advised me to let the loans go delinquent then contact them to be set up on a new program, but because at that time my loans were current I did not qualify for anything. So now my credit score has dropped because they have reported this to credit bureaus.when I called in to get set up on a payment plan they said all I was eligible for was interest rate reduction to 4 %, which would make payment XXXX.Previous plan i was on was 2 % and they said they no longer offer this. I told them I can not afford this I have a family of XXXX .my wife is unemployed. I am the only income. I have a XXXX XXXX XXXX and XXXX XXXX XXXX.i work in the aviation industry as a XXXX XXXX for a commercial airline. It is no secret how the airlines have been affected with pandemic. My hours and pay have been cut in half and now on reserve and my seniority in the company affected due to furloughs and base closures. I continued to make the XXXX payments when COVID hit because I did not want to ask for help and we had a little money put back and we were making it work. Who knew the pandemic would still be affecting everyone. I am not asking for them to stop payments, I am asking them to work with me on payments I can afford. Its not like we are under normal circumstances today and I know they have the ability to help. I am requesting communication with a payment plan I can work with and any negative reporting on credit report fixed since they are the ones who advised me that my loans had to be delinquent before they could help me, even though I spoke with them before they went delinquent to try and get a new payment plan. I feel this is not my fault.
Product: Debt collection

On or about, XX/XX/2021, all XXXX ( XXXX ) XXXX XXXX XXXX ( CRAs ) - ( XXXX, XXXX and TRANSUNION ) were given notice of a crime of identity theft. The documents included in the Notice were, an Affidavit of Identity Theft, copy of credit report, FTC Identity theft report, Police Report filed regarding the accounts indicated, and proof of my Identity. Proof of delivery via certified mail / return receipt # XXXX XXXX XXXX XXXX XXXX shows TRANSUNION, LLC. did in fact receive Notice of the identity theft, with attachments/ reports to substantiate the claim on XX/XX/2021. 

TRANSUNION, LLC. had the audacity to report XXXX of the accounts related to this crime, XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX as " verified '' and refused to delete/block the account even after I provided proof of the identity theft crime and accounts related. I HAVE NO AGREEMENT with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not possibly verify an account they have no first hand knowledge of. TRANSUNION, LLC. can not verify any accounts as they do not have first-hand knowledge either, nor were they a witness or a party to any alleged agreements. Both XXXX XXXX and TRANSUNION, LLC.  are both unauthorized 3rd parties whom have NO authority to verify or validate any alleged debts, let alone refuse to follow the XXXX regarding the blocking of an account that is related to a crime of identity theft. The FCRA requires a CRA to block fraudulent information on my credit report resulting from identity theft within XXXX ( XXXX ) business days. TRANSUNION, LLC. is willfully, knowingly with intent refusing to remove and permanently BLOCK this fraudulent account in attempts to cause me damages. Willful refusal to remove and block is now a violation of several sections of the FCRA, specifically sections 605 ( b ), 615 ( f ) and 623 ( a ) ( 6 ). As a federally protected Consumer, I will hold TRANSUNION, LLC. liable for any and all civil liabilities pursuant to 15 USC 1693m and any and all criminal liabilities pursuant to 15 USC 1693n. These Violations/ Damages caused to I, the Consumer, carries damages worth of up to {$1000.00} or more each violation, in addition to having sustained damages related to physical and emotional distress. Not only has this affected me being able to Re-Finance my Mortgage but potential creditors seeing these inaccurate accounts on my report has effected me tremendously.
Product: Credit card or prepaid card

Capitol One reported a late payment that was directly caused by the Corona Virus pandemic to the Consumer Reporting Agency setting back years of work trying to fix my credit that will no doubt cause Hardship. 
I was laid off back in XXXX due to the Corona Virus, at this time I had never had a late payment with Capitol One. I missed my payment on XX/XX/XXXX for the first time directly because of losing my job to the Corona Virus. I ended up working with a friend making a small bit of money and tried to lower down all of my rising bills even the slightest amount and paid XXXX $ to Capitol One on XX/XX/XXXX bringing my XXXX and XXXX payments current even though at the time I could barely afford food to feed myself, but my XXXX payment was 35 days late and was reported on my credit report dropping it by an astounding amount of points. I was late again on XX/XX/XXXX still, I finally was able to get everything caught up and fixed on XX/XX/XXXX making a {$110.00} payment. I tried my best to contact capitol one to try and help me remove this late payment that reported to my credit agency. to no avail. I have never been late, nor will I ever be late at my own fault.
Product: Credit card

As part of an unlawful conspiracy to retaliate against me for complaining to another federal regulator, several bank employees conspired to invent provably false allegations to retaliate against me for making an allegation of discrimination. I was berated and screamed at for XXXX minutes by a bank employee - who invented a lie that I made comments about a phone agent being white ( I never did - and had no way to know the race or location of any phone agent ). She then invented a totally false allegation- with no support and only to illegally retaliate against my allegation - that I was discriminating against her. My allegation of discrimination against the bank was XXXX of systemic discrimination and I had never accused any specific employee - but nevertheless this was unlawful retaliation. I was then screamed at - as if I were an animal - by multiple employees that I was lying to them. Due to the conspiratorial and malicious misconduct of several bank employees, I am now fearful for my safety.
Product: Debt collection

A phone number was calling me so I called back. The first person I spoke with asked if they asked for when I called and I said yes and then was put on hold. After a couple of minutes of being on hold I hung up and called back. When I called back the gentleman who answered the phone asked me if I was " XXXX XXXX '' and I said yes. I then asked him what company this was that was calling me and he said, " Direct Recovery Services ''. He then told me XXXX XXXX has hired them to collect the debt for them. I informed him I do not pay anything unless I have it in writing. He stated they have mailed notice out and I informed him I have not received it. I asked him to mail XXXX out because I do not pay anything over the phone unless I have proof of debt. There is so many scammers out there plus they do n't even answer their phone by stating the company name. I have no idea if they are legit or not. He told me to get in touch with XXXX and they will direct me to them. I again told the gentleman I do not pay anything over the phone without documentation. Rudely he told me they have sent out notices. I again told him I have not received any notice. I then told him he is not to call any other phone number except for my number XXXX so he does n't have to harass anyone else to just call me. He stated he was not harassing anyone and he is not going to mail out anymore notices and there will be no settlement offer. I told him I do n't pay unless I have proof of debt and I hung up. The gentleman on the phone was rude.