23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My Dept of Ed loans were being serviced by XXXX, when I submitted a Public Service Loan Forgiveness affidavit of public service activity that I wanted credited toward my XXXX months of payments. This was received around XX/XX/2016. I was then notified sometime around XX/XX/2016 that my loan was being transferred to PHEAA ( or Fedloan ) for servicing due to my qualification for the PSLF program. This was at the same time that I had turned in a renewed IBR plan request to XXXX ( in XX/XX/2016 ). XXXX notified me that my IBR plan request had been accepted and that I would " soon '' learn what my new payment was to be. However, they transferred my Department of Ed loans without telling me what my new payment would be. My loans disappeared from the XXXX online system and XXXX customer service was unable to tell me what the payment would be. I created a Fedloan account but the online account contained no information about my loans from XXXX through XXXX. I called Fedloan to inquire as to when my payment would be due and what it would be, and the customer service agent told me that the loan transfer was " in process '' and she could not tell me what my loan amount was or when it was due, and that I would be notified when the loan transfer was complete. I repeatedly logged in to my Fedloan account and found it empty with no payment listed as due and no loan information, until one day I logged in and it showed my loans with the new payment information and told me that I had a payment that was past due and " delinquent. '' I was never notified of the loan payment due date or amount. I had my loans on autopay with navient and was never late for a payment, but this information did not appear to transfer with my loan. Fedloan did not attempt in any way to contact me to tell me I had a payment due, in spite of me being extremely proactive in trying to pay my loan on time. It appears to me that information about when my loan payment would be due and how much was deliberately withheld from me in order to make me late for this payment. It appears to me that there is a systematic issue with loan transfers that obfuscated basic information from me that was necessary to make on time payments. Had I not been proactive, who knows how long fedloan would have sat on my " delinquent '' loan without contacting me. I gave them my email, phone, address and called them and logged on repeatedly in an attempt to know the basic information about my loan, which they withheld from me until after the payment appeared to be due.
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. I told Transunion to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account : XXXX  XXXX # XXXX, Account : XXXX XXXX XXXX # XXXX, Account : XXXX XXXX  XXXX. However, they stated everything was complete and accurate but that isnt true. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. PLEASE GIVE REMOVE ALL ACCOUNTS ASAP!!!
Product: Mortgage

Specialized Loan Servicing ( SLS ) services my mortgage which is owned by XXXX. I had a temporary interruption of my income ( lost my job ) in XX/XX/2018 which rendered me unable to make my mortgage payment in XX/XX/2018 to SLS. On XX/XX/2018 I submitted a request for mortgage relief ( RMA ) to SLS, requesting that the missed payments be added to my loan principal and that my account to be re-aged in anticipation of regaining the lost income ( which I have now ). Subsequently, I received from SLS a notice of default and their intention to foreclose. SLS requested additional documentation, beyond that which was submitted with the original application, from me which I submitted per their instructions on XX/XX/2018 and XX/XX/2018. On XX/XX/2018 I received a notice from SLS admitting that they had not evaluated my application claiming they did not receive the documentation I provided. On XX/XX/2018 I requested escalation and reconsideration of my application from the Customer Care Manager ( XXXX XXXX ) ; to date I have received no response. On XX/XX/2018 I requested escalation and reconsideration of my application from the Vice President Customer Experience and Executive Services ( XXXX XXXX ) ; to date I have received no response. Finally, On XX/XX/2018 I requested escalation and reconsideration of my application from the Chief Operating Officer ( XXXX XXXX ) ; to date I have received no response. I assume that they are still in process of foreclosing on my property. We would like to stay in our house and have been attempting to negotiate with SLS in good faith in order to resolve our situation, but they have not responded in kind. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Mortgage

This new complaint has been filed as a follow-up to the previous Complaint # XXXX that was closed before we could complete our additional research and submit our findings. Wells Fargo previously stated in their XX/XX/XXXX response that no payments had been received on our account from XX/XX/XXXX through XX/XX/XXXX. We were in a Chapter XXXX bankruptcy from XX/XX/XXXX until all payments at 100 % had been completed and our file closed in XXXX. We have attached a document reflecting bankruptcy payments made to Wells Fargo for Mortgage arrears during this timeframe in the amount of {$15000.00}. Wells Fargo initially responded with a mortgage arrears amount of {$31000.00}, however, Wells Fargo petitioned the bankruptcy court to remove the mortgage from our bankruptcy case to proceed with foreclosure. Where were the total mortgage arrears payments of {$15000.00} paid through our bankruptcy case applied on our mortgage account? Additionally, we have attached a file ( saved on XX/XX/XXXX ) reflecting XXXX mortgage payments made in a Wells Fargo XXXX location at the mortgage amount prior to the loan modification being approved. Again, where were these mortgage payments applied on our Wells Fargo mortgage account? Please remember that we both ( XXXX and XXXX ) had checking and savings accounts with Well Fargo at the time of these payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I tried to dispute a background check that this company ran on me. I have not been able to get in contact with the company to update the report. I was on hold for 1 hour and 5 minutes and still no one picked up the call. I was denied a platform from XXXX eats because of what checkr reported back to them and I am not able to get the help I need to have the report corrected.
Product: Money transfer, virtual currency, or money service

Commencing on XX/XX/year>, I fell victim to a scam operation orchestrated by an individual XXXX XXXX ( the Fraudster ). Money was transferred from my NFCU account in the total amount of XXXX USD. I am a victim of a non-delivery scam. XXXX XXXX reached out to me over XXXX saying she sells " fanny packs ''.
Product: Money transfer, virtual currency, or money service

I have been conducting business with an online digital currency company called Coinbase. I have opened an unlimited number of tickets, but they refuse to give me access to my account assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian score was XXXX in XXXX, XXXX in XXXX and has been XXXX since XXXX. I have had no late payments, my credit usage has been less than 10 % the whole time, I have not closed any accounts nor opened any new ones, no new inquiries, no changes in my existing credit limits. Experian either can't or won't explain why the same factors that were good enough for a credit score of XXXX in XXXX is good for only XXXX now. There is no reason at all for such a sharp decrease in my score two months in a row and Experian has done nothing but give me the party line about how they calculate their scores and what can cause them to change. None of those things that can cause change has happened, and my credit score has plummeted very rapidly. I would like them to either correct whatever is wrong or give me a satisfactory explanation for such a rapid, drastic change when my circumstances have not changed.
Product: Mortgage

I filed for Covid loan forbearance regarding my XXXX XXXX backed mortgage online from my account on XX/XX/21. OnXXXX I called to check the status and was told they don't have record of my online request. I asked to file the request again manually thru the rep and was told I will receive documentation within two weeks. Its XX/XX/21 two weeks of business days have passed and I have not received any documents. I have called several times waiting for the docs to come and I was told I was approved. The problem I have is I don't have written proof and when I log onto my mortgage account online it says nothing about being in forbearance. I have asked to receive docs via email but was told to wait on the mail. This is my mortgage not something I take lightly It should only take a week for the docs to reach me. I have been waiting for 2 weeks now and need to see something in writing regarding forbearance from loss mitigation. Email would be perfect and instant and they also have a document tab on the XXXX website that I should be able to view and download documents from. I have registered, requested forbearance, and logged into this site but Ameris loss mitigation is saying they don't see my request. I am requesting immediate written proof regarding my covid forbearance request and approval for with my XXXX XXXX backed Mortgage via email or download on XXXX website. This is something that should be available to me as per the federal government and Ameris has verbally told me I was approved from XX/XX/21 to XX/XX/21. Also when I log into my regular mortgage there is no mention of the loan being in Covid forbearance. XXXX
Product: Checking or savings account

I moved to the XXXX in XXXX from another country. I applied to XXXX XXXX XXXX for security credit card and was denied. Then I called the credit department and was told that in XXXX, XXXX XXXX opened a saving accounts in USAA bank and XXXX XXXX XXXX XXXX, maybe somewhere else, I dont know. I found out today that XXXX stole my personal information and used it against me. I physically wasnt at the country at that time as I lived in XXXX. I moved to the XXXX this year. I want you to help me to investigate the case as my credit report and score depends on it.
Product: Checking or savings account

Valley National bank has charged me fees when I transfer money from my XXXX account. Each time that I transfer from XXXX, it says it is free. Valley national bank did not provide information that they charge fees when using this mobile service, XXXX.

I have been charged for over 20 dollars.
Product: Checking or savings account

So a couple a week ago or 2 my cashapp was close due to me violating cashapp rules so my account was close. I deleted the account and tried to make another account but I couldnt verify my account due to cashapp restriction towards my account I have funds on my old account that I want to access or get but cashapp doesnt help or help me identify my identity. Can you please send me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reached out to   XXXX   to get an updated copy of my credit report to go over it after my ex had moved out.     I found out that he had take some of of my files and there were some credit reports that were missing. So when i went online to get my free reports, which i have not done in years to look them over and dispute them, i was given an error at   XXXX   advising me that the information provided could not be verified. WHAT INFORMATION? I did n't enter anything.     so when i called and spoke with  the Fraud de partment, they stated that there was not any issues on their end, and that i should be able to order my report. So I tried again, and to avail, NOTHING. the same error. I asked to be to transferred to a supervisor in the dispute department to verify my account, but no one would help me there either. She gave me the run around, about the usu al 24-48 hr bit,   knowing that i was just being thrown to the wolves. I am also having this issue with Experian and  XXXX  where i can not get any of my free credit reports with some type of error stating that my information could not be verified and i would have to phone in my issues. THAT IS UBSURED. All of this drama did not start until someone decided that they would add a fraud alert to all my reports back in  XXXX  of   XXXX  .     All I would like to do is to be able to sign into my accounts, and do what i need to do, and not have disrespectful people talking to me in a rude manner and asking me rude questions. if there is anyone that will investigate this matter and follow up with me I would appreciate it greatly.
Product: Debt collection

I received a notice from XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, UT XXXX regarding Capital One credit card debt. I lost my job and had no way to pay the debt. I moved to XXXX  and informed the law firm that I was filing bankruptcy in XXXX & XXXX 2020, and they purposely filed a law suit in XXXX where I only lived for 3 months. They knew I moved to XXXX  and I gave them the name of my bankruptcy attorney, XXXX XXXX office with the phone number. 

I believe this is a deceptive practice because they filed in a former state knowing I had moved and the new address was also on record with the credit agencies. This is deceptive because I told them I was filing bankruptcy, gave them the bankruptcy attorney 's information and they proceeded to try to file for a judgement in another state knowing I no longer lived there. 

Please send this information to Capital One as well because this is very deceptive and crooked. XXXX XXXX XXXX is a third party hired by Capital One who behaves in a deceiptive manner to try to collect debts.
Product: Debt collection

XX/XX/XXXX-received a letter from XXXX XXXX that my account was assigned to them from Washington Mutal in the amount of {$13000.00} for debt if {$5400.00} and interest chrarges of {$8000.00} XX/XX/XXXX-replied requesting validation of said debt, along with proof of statute of limitations not expired, that they were licensed to collect in my state, their license numbers, agreement with creditor authorizing they can collect debt, agreement bearing my signature that I agreed to assume debt, valid copies of debt agreement. XX/XX/XXXX I received copies of old statements dated from XX/XX/XXXX, and 3 from XX/XX/XXXX. Last was dated XX/XX/XXXX. I contacted the number on the old statements Since Washington Mutual went under, I was referred to JP Chase, who had no record of this. I know for a fact that This account was paid/settled for less than amount owed with Washington Mutual in XX/XX/XXXX. Last correspondence with Washington Mutual was XX/XX/XXXX. It was reported on all 3 credit reports as such and was also removed from all credit reports in XX/XX/XXXX. I do not have these old records as when they were removed, and I did not believe I needed to keep old paid records. I checked with the credit bureaus also but once they are removed they have no record either. I never received any other correspondence about this debt from any other organization, only from Washington Mutual. I 've never received any correspondence before XX/XX/XXXX from this company before. XX/XX/XXXX I received another letter from XXXX stating I am the correct consumer for this account and they expect payment. I have not responded yet, as I believe this time period between last contact with creditor is past 8 years and this debt has become statue barred, plus they ca n't collect on the same debt twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment due on XX/XX/XXXX for {$29.00} that was paid on XX/XX/XXXX. There were no notifications of a late payment for the XXXX payment, no phone call or email although I received over XXXX emails during that same timeframe for marketing and solicitations to shop at the store and an additional XXXX notifications via mail. Upon calling the company to discuss the matter, the supervisor told me that they only report delinquency to the credit bureau after a payment is 60 days late then refused to make the update to the payment history since it was not 60 days late and only 35 days late. Per their own stated policy of 60 days, there should not have been a delinquency reported to the credit bureau. I would like an investigation unto this matter and the credit bureau updated.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Debt validation was requested and was never received. 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 an 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 reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXXXXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy. - 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

LVNV Funding c/o Resurgent Capital XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX RE : XXXX XXXX XXXX 
ACCOUNT # XXXX Amount : {$9500.00} The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons.
Product: Money transfer, virtual currency, or money service

I have been victim of XXXX scam ad XX/XX/XXXX all XXXX transactions are unauthorized as of XX/XX/XXXX on recorded I was told after submitting affidavits I will get my money back please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC report on XX/XX/2023. The result was that the det was verified. I am a victim of identity theft and I have no knowledge of the account that is listed below. Please remove so my credit reports will read as true and accurate. 

United Auto Credit {$120000.00} Account charged off Acct # XXXX
Product: Credit card

I am aware that Capital One is one such bank who solely depends on local US phone numebrs for customer verification, which means I can not use my credit card overseas. This not the complaint because this is something I am already aware of. 

But right now I am in US. I got the credit card today. And there is problem on the first day. I have a phone number, a local US phone number and I am present in US, and I can not use my phone number to get text codes for cash withdrawal pin set up, because apparently the number is not recognized by Capital One, even though that's the only number you already have on file. If you don't recognize local US phone numbers, what kind of numbers do you guys exactly recognize? Right now I won't get any text codes for verification even when I am purchasing something so it be a XXXX dollar purchase or a XXXX dollar purchase. So how exactly do you expect me to use the credit card, even locally?
Product: Credit reporting, credit repair services, or other personal consumer reports

never gave Equifax any written consent to report anything on my consumer report. No consent is identity Theft.
Product: Consumer Loan

In XXXX XXXX I began receving installments invoices from Wells Fargo Dealer Services with varied payments amounts sometimes twice per month, not consistent with my normal monthly payment of {$310.00}. I did not panic but continued to make payments as stated on the monthly invoice as listed below : XXXX {$150.00}, XXXX {$130.00}, XXXX {$270.00}, XXXX {$100.00}, XXXX {$270.00}, XXXX {$230.00} and XXXX {$180.00} ( my last payment ). To my surprise, in late XXXX I received a letter from WDS stating that my account was charged off and is in collections. Now mind you, I never got a call to inform me ( like most reasonaly business would do ) of this issue over the course of XXXX. So, I called WDS and was told I must pay them {$3000.00} plus dollars to bring my account current. They said they are not culpable for any mistakes made, invoice are mailed as a courtesy and I should have continued to pay my installment of {$310.00}, not what the invoice stated. They concluded that I am 358 days past due despite my payment history listed above and I pretty much brought this on myself, therefore they are not culpable. What casued the problem? In XXXX the began posting another customer payments to my account and still continue to do so. I received an invoice in XXXX, XXXX stating that my balance is {$440.00} and a payment of {$180.00} is due, which I paid.
Product: Credit reporting or other personal consumer reports

I iust looked at my credit report because I have huge goals. I am looking to buy my first house. I iust wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from 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 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  investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.