23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX has serviced some of my federal student loans since around XXXX. I have experienced little else but obstruction and unproffessionalism since the beginning. Below are three primary aspects of the problem, which all interact variously but together represent a dysfucntional financial institution of the like I have not seen since working as a consumer debt attorney and member of XXXX. Had they fallen under the FDCPA, they would have long since fallen under the weight of litigation and liabilities. 

Online Account Management - Online logins are inconsistently available, and new accounts must be set up, which is not always possible. 

- The online portal can not locate personal information attached to accounts, such as SSN, names, or emails, in order to locate passwords or to setup new accounts. 

- The online portal appears to frequently change, causing access issues. 

Loan Servicing - Initially, in XXXX or XXXX, the agents refused to provide information on income based/contingent repayment plans that were made available to students. This is assumedly so that students could not take advantage of lower payments, and my account has accrued interest and penalties for their refusal. When I escalated it to a PHEAA attorney, the response was that they are not limited by typical consumer protection laws, but the harassment stopped for several years. 

- Refusal to update communication preferences. I have been living overseas for several years and repeatedly inform PHEAA that there is no domestic phone number to reach me and that all communications must be via email. Nevertheless, the first communications I do get are that once every few years, I will get a default notice by email that says they have been taking all reasonable steps to reach me by phone. This certainly translates to penatlies and fees on my account. 

- Refusal to correct errors. During XXXX, I finally managed to convert my account repayment but PHEAA refused to make that retroacive to the time when I first demanded the conversion. This means penalties, interest and fees. 

Communication - When communication is intermittently achieved, the contact points will change in each response, which means that a new explanation is required and unhelpful responses are repeated. 

- When reponding to a request, vague and unhelpful boilerplate is offered as a standalone and not further assistance is given. 

- Regular communication on account deadlines or requirements are provided, only urgent default notices issue every few years. in the interim, PHEAA completely disappears. Certainly this means that penalties and fees accrue each time. 

I am completely sick of this. I did not enter into an agreement with this servicer and did not choose their model. Their complete mishandling of the case is either reflective of systemic negligence in their business practices, or deliberate abuse in order increase portfolios. I saw both in my time in the debt collection industry, so I do n't feel I am overreacting. All I am after is assistance with correcting the course of over 6 years of mismanagement whose cost is likely to be in the XXXX of dollars.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXXXXXX has decided to start closing and is refusing refunds to all paying customers. I disputed XXXX charges with my bank but they over 180 days old. They do not care that services were not rendered and WILL not provided. I also disputed with my Chase card 's travel insurance. They state refunds are not possible as this is not a covered insurance claim. I am currently out {$2100.00} dollars and my credit card company will not assist with getting my money back even though XXXX XXXX XXXX has committed fraud. Charges include : XX/XX/2021 XXXX {$1100.00} XX/XX/2021 XXXX {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian numerous times and t

he credit score is not updating with current credit information. It appears to be possibly an identity issue. I have even been told I was listed as deceased. When I open new accounts, they never show up on reports ( approx 9 years ).

I have been in a loop of making requests, being told various stories, but the issue is never resolved. Any creditors that require a credit pull from Experian will not service my needs. 

When I apply for credit and the creditor pulls from Experian, the inquiry shows up, but the credit account once opened never reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted SCA Collections and asked them to send me proof that two accounts belong to me. They are both duplicate accounts, but just have different account numbers, but all the other information on the credit report is accurate. Every time they tell me they can not verify that it is mine, they just tell me it is without any proof, and tell me to contact the original debtor. So I contacted the original company and they do n't have any information about the account and it is a circle of forwarding to different companies who each do not have any information about any account that belonged to me. Eventually I was forwarded back to SCA Collections. I informed them about this, yet they refuse to remove the accounts. I contacted XXXX about it ( the only credit bureau with these accounts in them ) and they say they 've " verified the information '' yet how can they verify if when I call to verify they do n't have any relevant information for me. I do n't have any documents because the account is n't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

OVER THE YEARS, THERE WERE MULTIPLE PROBLEMS WITH MY CREDIT REPORT. SO I HAD 2 BIG ISSUES I WANTED ADDRESS AND A FEW OTHER ISSUES. BECAUSE OF THE WAY THEY MISHANDLED MY DISPUTE INVESTIGATIONS IN THE PAST, THE ACCOUNTS, INQUIRIES, AND PERSONAL INFORMATION I CHALLENGE XXXX TO DISPUTE FOR ACCURACY AND VALDATION AND VERIFICATION. THE SECOND MAJOR ISSUE WAS IF THEY CAME BACK VERIFIED, THAT I WANTED A DETAILED METHOD OF VERIFCATION AND I ALSO REQUESTED IF VERIFIED TO GIVE ME THE DOCUMENTS THAT I REQUESTED. I HAVE MAIL IN DISPUTES AND THEY SAID THEY DIDNT RECIEVE IT. ITS ALWAYS A EMPLOYEE FROM XXXX AND THEY DISREGARD ANYTHING YOU SAY. 1. I DISPUTED INQUIRIES FROM XXXX AND TOLD THEM THAT I DIDNT AUTHORIZED THESE INQUIRIES. THEY SENT ME BACK A LETTER SAYING INQUIRY IS A STATEMENT OF FACT. SO I CALL THEM BACK AND WROTE THEM ASKING THEM TO DISPUTE THE INQUIRIES AND THEY SAID THEY ARE NOT DOING IT. 2. 3 BANKRUPTCIES THAT I ASK TO DISPUTE FOR ACCURACY AND I ASK FOR FULL DETAILS OF THEBANKRUPTCY INCLUDING THE PAPERS THAT WERE FILE, AND THE METHOD THEY VERIFED. THEY DID NOT GIVE ME THAT INFORMATION BACK IN 30 DAYS SO THEREFORE BY FCRA LAW, IT MUST BE DELETED. THEY ALSO SENT A LETTER BACK ONLY SAYING VERIFIED. 3. I DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX. FOR ACCURACY AND THEY ARE ALSO IDENTITY THEFT. I FILE A IDENTITY THEFT REPORT ON THESE ITEMS ON X/X/17. FIRST THEY TELL ME THEY AINT RECIEVE THE DOCUMENTS. NOT BY FAX OR EMAIL. I EVEN HAVE A EMAIL CASE # FROM THEM BUT THE XXXX EMPLOYEES SAY THEY HAVE NO CLUE WHAT IM TALKING ABOUT. 4. XXXX XXXX ACCOUNT. I DISPUTED THE LATE PAYMENTS ON THE ACCOUNT. ACCORDING TO THE FCBA IF I MOVE THAT THE MUST SEND THE STATEMENTS TO MY NEW ADDRESS. ALSO IT IS IN DEFERR STATUS AND I ALWAYS KEEP MY DEFERR STATUS UPDATED. XXXX DIDNT EVEN FOLLOW THE DISPUTES THAT I REQUESTED. TRANSUNION ALSO DID THE SAME STUFF. ALSO XXXX. BUT XXXX  HASNT RECIEVE MY IDENTITY THFT REPORT YET, BECAUSE THE ONLY WAY THEY CAN RECIEVE IT IS THRU MAIL.
Product: Credit reporting or other personal consumer reports

I had a legal name change and removed my middle name XXXX XXXX. XXXX, Transunion, XXXX are still reporting the old information
Product: Mortgage

I have tried to contact Fay Servicing again and my account manager regarding payments by me on XX/XX/XXXX, and Fay applying Escrow Funds on XX/XX/XXXX. That escrow balance appears to be a payment that was put in suspense which all started in XX/XX/XXXX, when they refused to review my homeowners ' policy. Once that was settled, then Fay has informed me that I had a balloon payment due from XXXX! During this fiasco Fay Servicing refused to accept my payments, I was not allowed to make payments online, and being told I was going to lose my house if I did not complete an application, I provided the information from my lawyer and Fay finally corrected their mistake, again. The last complaint I filed Fay sent a financial document that shows without question that those funds were not just sitting in escrow, but were from a payment I made almost a year ago that they put in a suspense account and then moved to escrow. I do not understand how a company can put a payment in suspense and then move to an Escrow account for over a year, all while charging me late payments and telling me I am a month late, they literally did not move one of the suspense payments after a previous complaint was resolved Now that a payment was made by me on XX/XX/XXXX and Fay applied the Escrow funds on XXXX I am still be told I owe a payment for XXXX. If my loan was transferred to Fay on XX/XX/XXXX and due on XX/XX/XXXX, then I made that payment to XXXX XXXX and it was not transferred to Fay, not my fault!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX and XXXX  and the investigation took well over 30 days.
Product: Checking or savings account

100 % fraud Use my wife to send money different account number such as XXXX XXXX  to and fraudulent mark easy to withdraw without see direct deposit we received after the account is XXXX balance or short before pay Phone service XXXX This hang up phone very rude behavior. Talk like unprofessional customer service Want them alll my money back All the transactions related XXXX XXXX XXXX XXXX transfer All need my money back
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute the unauthorized account that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on credit report
Product: Mortgage

To : From : XXXX XXXX XXXX number : XXXX Claim number : XXXXProperty address : XXXX XXXX XXXX. XXXX, NC XXXXMy name is XXXX XXXX XXXX and have been a mortgagee of SPS now for over XXXX years. On XXXX XXXX, 2014 I was on a spiritual retreat when at XXXX I received a call from the XXXX Police Department informing me there had been an electrical fire at my home. My first though was my XXXX year old son and making sure he was OK. So since that time my son and I have been in temporary living quarters. I 'll make a long story short. XXXX performed well keeping their agreement as my insurance provider. When I received the XXXX draw of {$57.00} XXXX I thought to myself ; we should be able to get back into the house before XXXX. 
In the first few weeks the performed well finishing the roof, the soffit and the fascia. The inspector came and his estimate was 27 % which I vehemently disagreed. I thought it should have been more like 33-34 %. The next draft was for $ XXXX and quickly was exhausted. This was in XXXX .I went ahead and requested another inspection because a great deal of these funds were already owed to the sub -contractors. I 've had XXXX extensions since the inception of the loan. Instead of moving the XX/XX/XXXX, it will now be more like XXXX. I 've had back to back inspections as the XXXX was completed XXXX weeks after I requested the funds. What I 'm finding out is how lengthy the process can and has been. I 've now been waiting almost XXXX months for check and the frustration, stress and absolute anger ca n't be defined. 
I should not have to beg for these funds Period. The same forms I sent in XXXX months ago are being requested again. The waiver of lien, the contractors ' license number and his tax information. This has been the most traumatic event I 've ever dealt with in my entire XXXX years on this earth. Why did we proceed thus far without the information. What if this was you or your wife dealing with this? I 'm sending this to the world ; no one should have to deal with this XXXX. I do n't wish this XXXX ordeal on anyone. I 'm sure SPS holds these funds as long as possible to earn any type of interest. Will you pay me interest? Please intervene and help me get back home. I 've had a XXXX in the past few years. This has been the most wicked and XXXX experience of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for 3 Credit Bureaus ( learned through more research both parties require ). Please block/remove these files as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XX/XX/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
Product: Mortgage

I would like to explain my situation to you. We, XXXX and XXXX XXXX were supposes to be foreclosure on our home on XXXX XXXX, 2015. The foreclosure did not materialized. I call the law company XXXX XXXX XXXX XXXX XXXX XXXX XXXX and told them. I Caliber Home Loan and told them. They sent me out a new bill on XXXX XXXX and I call a good company XXXX XXXX ) who was sent a proposal to Caliber. I did not know the illegally foreclosed on our home on XXXX XXXX and coupon for {$71000.00} payment amount was not due until XXXX XXXX. We did not receive a notice for the lawyer or anything. They did it under the table. My account number with Caliber was XXXX. I have all documentation. The loan was transferred to Caliber from XXXX who is still apart of Caliber. I hope you can help me get my house back. The people who purchased the home is XXXX XXXX, who was going to let me stay but claim his partner with not. The only number I have for them is XXXX. First name XXXX and do n't answer my phone call at all. My number is XXXX. I have leave my home soon. 
Thanks for the letter. 
Sincerely, XXXX XXXX
Product: Mortgage

I am writing to formally lodge a complaint against Provident Funding ( mortgage lender ) and request a formal and thorough investigation, regarding their refusal to accept my biweekly mortgage payments and their implementation of stating we would be fined monetary penalties for doing so.

Our home loan was financed through another bank but was sold to Provident Funding over a year ago. Prior to this we made biweekly payments and since then, we also attempted to make biweekly payments toward our mortgage without any lapses. Provident Funding had previously accepted these payments without issue. 

However, we were recently informed by Provident Funding that they would not accept biweekly payments and that there would be penalties imposed for this payment method and payments would be returned- I requested to be informed what those fees were and the representative said they didnt have that information, I requested to be sent information on what those fees were via email and mail. Despite our history of on-time payments, they are now refusing our payments outright.

This action is financially abusive, as it imposes unnecessary hardship by effectively creating a situation that could lead to foreclosure and late fees. We believe this refusal to accept biweekly payments and the imposition of penalties is unjust and lacks transparency. It is unreasonable for Provident Funding to enforce such a policy after previously accepting biweekly payments and without providing legal grounds on doing so. We respectfully request your assistance in resolving this matter. 

Provident Fundings actions jeopardize our financial stability and appear to be designed to penalize responsible borrowers rather than support them. We have paid at least XXXX or more to them. I spoke to provident on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Debt collection

An account was made in my name and was used. Social security number was compromised and is on the dark web due to companies breaches especially XXXX XXXX XXXX. Although that is my home address, I have been working and traveling throughout the world and I currently reside in XXXX  not XXXX. I still own the house in XXXX XXXX  that the account was made on. I am a victim of identity theft and the debt collector bounce AI. I have never received any information from this debt collector or from any other entities involved. This debt showed up on my credit report about a week ago and I am trying to address it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX
Product: Credit card

I added a Chase Offer to my credit card ending in XXXX. The offer required me to spend at least {$1000.00} on XXXX products, and in return, I would receive a statement credit for {$100.00}. I met these conditions and Chase did not provide the credit. I contacted them about it and they said I did not meet the terms of the offer, so they will not provide the credit. I asked for more details about why I did not meet the terms of the offer, and they did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account with this company. They incorrectly reported to my consumer report
Product: Student loan

On XX/XX/2019 @XXXX MDT - I called FedLoan Servicing at XXXX.I called FedLoan Servicing to enroll in the PSLF and FedLoan Servicing Agent stated I did not qualify because my loan type is not a Direct Loan.I qualified for PSLF under the following conditions:- I made 124 payments. - I have worked for Public Service for 16 years.- I qualify under the College Cost Reduction Act
Product: Credit card or prepaid card

I have a Chase United Explorer credit card. On my XX/XX/2020, statement, I earned 10,001 XXXX miles ( 10,000 miles from Refer-a-Friend bonus and 1 mile from regular purchase ). However, only 1 mile has been added to my XXXX mileage account.
Product: Bank account or service

XX/XX/XXXX, I received a letter from Citibank telling me that if I opened a new Citibank Checking Gold account I would receive XXXX XXXX XXXX AAdvantage bonus miles. I needed to open the account with {$50000.00} and use promo code XXXX. I was also required to make {$1000.00} in debit card purchases, and setup a bill payment for two consecutive months. 
I have met these requirements : the debit card purchase was completed on XXXX XXXX, 2016 for {$1000.00}. I made bill payments on XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 to XXXX. I had other bill payments as well, but this shows three consecutive bill pays ( exceeded the required two ). 
Upon opening my account, online, I chatted with a Citibank representative and asked why it did not ask me for my XXXX XXXX, the representative said it was not needed and that will be credited automatically when I met the requirements ( see enclosed ). 
On XXXX XXXX, 2016, I chatted with a representative at Citibank asking where my miles where because nothing had been credited to my account ( see enclosed ). The representative said they would do an investigation and it would take XXXX business days. After 4 days, on XXXX XXXX, 2016 I spoke to, XXXX, who said he did not know why I did not hear from them but he would escalate it and I would hear the next day. On XXXX XXXX, 2016 I called again, spoke to XXXX, and then I was told it would take some time longer because they were backed up. Called again XXXX XXXX, 2016, spoke to a gentleman and he said it would take 19 days to get an answer, and that no one told me it was XXXX days, even though as you can see I had this in writing. 
I called Citibank Executive offices and was transferred to XXXX at XXXX she said she had 14 days to research the problem and would get back to me. On XXXX XXXX, 2016, she called me and said that I would not be getting the miles because I was not eligible? I told her I had confirmed it on XXXX XXXX, 2016 and she said well that representative did not actually say you were getting the XXXX so you will not be getting any miles. However, as you can see from the attached transcript XXXX did say I would be credited automatically when I met the requirements. And my inquiry clearly stated it was about XXXX XXXX XXXX miles, yet XXXX says, no one ever said that. 
To date I have still not received my miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. These are the collection accounts, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX.