23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX, I paid my student loans in full through XXXX XXXX using Public Service Loan Forgiveness. I taught in Title I public schools for five years to be eligible. I have e-mails to that effect. XXXX XXXX no longer exists. 

Early this year ( XXXX ), I began receiving communications from MOHELA that my loan payments would soon resume. I attempted to contact them several times to inform them of their error, with no response. 

XX/XX/XXXX, I received a bill for {$57.00}, against a total amount of {$1600.00}. I again attempted to contact the company, and they were unable to locate any information regarding my debt. 

I reported their actions to the XXXX XXXX XXXX and took steps to contact a lawyer to defend myself from their fraudulent claims. 

Today, XX/XX/XXXX, I received another bill from them for {$57.00} and the " past due '' amount ( {$110.00} total. ) I also received notice from the XXXX XXXX XXXX that they claim to have contacted me about the matter and I am still not content with the resolution. 

They never contacted me, unless they consider a fraudulent bill an attempt to resolve the issue. 

If the company makes no attempt to contact me in earnest and I am unable to retain a lawyer in my area to handle the matter, my next steps will be to contact my state Attorney General and Senators.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

Wells Fargo rep by the name of XXXX claims to have made numerous attempts at resolution to complaints filed prior, I believe this to be false. The reasons are as follows .... They have denied my request for resolution which includes a refund of overdraft and other fees charged to accounts opened as a result of high pressure sales tactics to boost company profits by Wells Fargo reps. The refund amount, {$610.00}, was requested both in prior CFPB complaints and mediation requests. A total of five mediation packets were filled out, mailed in to Wells Fargo claims reps. A rep by the name of XXXX XXXX reached out, we spoke over the phone, a settlement amount of {$3700.00} was offered and never received. Additional complains were then filed with CFPB pertaining to this issue and issue of overdraft fee ( s ) refund, {$610.00} was requested again. It was denied, stating a check was sent and supposedly cashed which was never received. I did not receive any such check. XXXX XXXX would not provide settlement offer in writing, which I believe is shady and the reason for it is so Wells Fargo can deny they made such offer and not honor it. That being said I believe Wells Fargo is overall a very shady institution and should be investigated by CFPB. As for this matter, failing to honor settlement offer, a refund check in amount of {$610.00} will resolve this. The total of fees charged to accounts mentioned prior, opened as a result of high pressure sales tactics, is {$870.00}. I reasonably deducted prior refund amounts from this resulting in a total of {$610.00} which I request as resolution
Product: Student loan

I was eligible for the PSLF program. I was misinformed multiple times regarding this program by Navient. They told me I was on track with my payments and was eligible for the PSLF but that I didn't need to apply until 2017 for the PSLF program. When I applied in 2017, the PSLF program told me I qualified for the PSLF but that none of my payments I had been making from XXXX qualified because I didn't refinance my student loan through XXXX XXXX. I was never told this by Navient. I spent 7 years paying on student loans that I was led to believe on multiple occasions went torwards the PSLF forgiveness program. I was told multiple times when I called Navient that my loans were on track for the PSLF program. I was never told at anytime by Navient that I needed to refinance through XXXX XXXX in order to have qualifying payments. I am now stuck with the remainder of my student loan that was supposed to be forgiven because I took a lower paying public service job in order to qualify. It will take me many years to try and pay this off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active fraud alert on all credit bureaus, yet inquiries still keep popping up with no reaching out from the creditors or credit bureaus. These inquiries are unauthorized and have not been wiped even after sending in proper police reports. 

XXXX  XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX- XX/XX/2019 XXXX  XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 TransUnion XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 XXXX  XXXX XX/XX/2019
Product: Mortgage

Ditech/ Greentree started foreclosure on a property that I used to live in. The house was foreclosed on in XX/XX/XXXX by XXXX. Ditech started foreclosed in XX/XX/XXXX. Ditech admits that they should have never had the mortgage and they took it off of my credit report. However they say that the account will remain open. Which makes no since if they should have never had the mortgage. Ditech says I owe them no money. I need them to report to the credit bureaus that the account is closed and that I owe them no money. Also XXXX says I owe them no money. I 've talked to both companies and each company tells me to contact the other company. If I owe neither company money I do n't see why they ca n't close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to get invalid reporting public record removed for over 6 months now ; was made aware of new public record law in which all three credit reporting agencies would be required to automatically remove all public records that were reporting and that has not happen for me. This was scheduled to take place on XXXX XXXX, 2017. XXXX XXXX XXXX is still reporting incorrectly on today.
Product: Credit reporting or other personal consumer reports

Im not liable with this debt with Jefferson capital. I do not have a contract with this collection agency Jefferson capital. They did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received confirmation from XXXX credit reporting agency that an item " XXXX XXXX XXXX " was finally deleted off my credit report after there investigation. However I am submitting this complaint about XXXX and transunion credit reporting agency 's as they are still reporting this account on my credit report. It has been disputed numerous times and XXXX and transunion should have received the same response from XXXX XXXX XXXX to remove this account off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2013 a XXXX account was opened with military star. This account is a fraudulent account opened by my ex while I was XXXX for XXXX XXXX military service. I had no knowledge this account existed until my social security wages were garnished. Ive contacted the company and disputed this with 2 major credit reporting agencies. This account now reflects a XXXX balance and this is negatively effecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX XXXX XXXX XXXX began to report a negative payment record to TransUnion and XXXX. I have never had a mortgage with XXXX XXXX but I had a mortgage that was closed and discharged as part of a BK13 over 7 years ago. XXXX # XXXX. Attached to this complaint is a Cease and Desist letter from my attorney sent to XXXX XXXX back in XXXX. This is negatively effecting my credit report/score and I believe this is against BK13 laws and protections. I am looking to have this account erased from my credit file. This is unacceptable harassment by this lender.
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. 

Account Name : XXXX  XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX  XXXX XXXX XX/XX/year> 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

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy. 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I used Venmo mobile app to make a payment of {$1000.00}. The balance of my Venmo account was sufficient to cover this payment. Venmo made the payment of {$1000.00} using the money in my Venmo balance but then made 2 attempts to debit {$1000.00} from my linked bank account resulting in a {$30.00} insufficient funds charge each time. 

I contacted Venmo and they stated I could NOT use my Venmo balance to make payments which is why they twice attempted to take funds from my linked bank account. I pointed out that Venmo HAD used my Venmo balance to make the payment but then still kept attempting to charge the same amount from my bank account. The Venmo representative stated that additional verification would be required to be able to pay with funds in my Venmo account and directed me to the additional verification setting in the Venmo App. The additional verification page only had a statement saying that the additional verification would help improve security but had no mention that it was required to use my Venmo balance to make payments. 

Venmo has deceptively structured their system so that money paid in goes to their own Venmo account instead of being automatically deposited into the linked account but money paid out is automatically taken from the linked bank account instead of being paid from the customer, s Venmo account balance. Additionally, they have purposely denied the ability for a customer to use funds in their Venmo account during initial customer setup and hidden the setting in their app behind a setting that only has a description of providing additional security.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of negative inquiries. I have six negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following six to be removed from my credit report please :XX/XX/XXXXXXXX XXXX 2017 Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter previously ( XX/XX/2021 to be exact ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Debt collection

On XX/XX/XXXX, I was admitted to the hospital following an XXXX that was not my fault. I provided my insurance information and paid my deductible in full upon arrival. Upon discharge, I hired an attorney to assist with my claims as the at-fault driver was grossly under-insured. On XXXX I received a bill from XXXX XXXX XXXX XXXX XXXX in the amount of {$64.00} and on XXXX in the amount of {$480.00} bringing the total balance due to {$540.00}. This was paid by my personal check # XXXX for {$480.00} and a XXXX check # XXXX issued by my attorney, XXXX XXXX in the amount of {$64.00} on XXXX noting that the account was paid in full and requesting full satisfaction of their reimbursement right. At that time, my obligation to XXXX was fully satisfied. 

Fast forward to XXXX, XXXX, three years later. I began receiving text messages from an unknown number stating I owed money to a hospital. Because my attorney had settled my case in XX/XX/XXXX, I had at first assumed this to be a scam or fraudulent request. I then received an invoice dated XXXX, from XXXX which requested I pay a total of {$610.00} for date of service XXXX. I immediately contacted my insurance company, and spoke with XXXX at XXXX XXXX XXXX to ask why this bill was not paid three years ago. I was informed by XXXX that XXXX had neglected to submit this bill to XXXX XXXX XXXX until XXXX, over three years AFTER my accident and admission to the hospital. Due to XXXX submitting this claim " too late and after timely filing, '' I was told by XXXX XXXX that I was not responsible for this claim and that XXXX needed to write-off or adjust this bill. All claims processed properly were paid in full. We immediately reached out to Kings Credit Services whom XXXX had sent collections to and informed them of the situation providing all documents from attorney. Proof of payment, proof of account paid in full by attorney, attorney letter, proof of correspondence with XXXX XXXX. That was sent certified mail and signed as received by XXXX XXXX XXXX from Kings Credit Services. I also spoke with XXXX from Kings Credit Services on XXXX who was a supervisor and stated she would handle this matter. On XXXX, XXXX who represents XXXX for recovery services demanded payment of {$610.00} for a claim not properly billed by XXXX. I have now been wrongfully and negatively reported to multiple credit agencies in the amount of {$840.00} reported XXXX. I am asking for help to resolve this matter as both my attorney, XXXX XXXX and myself have gotten nowhere with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected PRONTO : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. XXXX
Product: Checking or savings account

this complain is related to the previous one no. XXXX, please be informed that the fraud is continuing on my account even after I raised the last claim No. 
XXXX, please be informed that all my attempts to save my money by moving it to XXXX was Unsuccessful. I Made many international transfers to XXXX, XXXX and XXXX with no success, please be informed that all these accounts are in the same bank in XXXX named XXXX XXXX, the bank refunds the money again after I making call with claim department on XXXX, XXXX and XXXX XX/XX/2023 and my claim as I mentioned No XXXX, money refunded to my account and because I need to save money before another fraud I decided to transfer it in the same day XXXX XXXX but I made also another transaction XXXX $ from my Master to my checking account to transfer it one time immediately, unfortunately the bank locked my online banking and now I can not open it, in the same day XXXX XXXX I called the bank and they can not verify me however I gave them all the required information and their reply was that they will send me registered mail to my address in XXXX ( which happen before and I did not receive ) my request is to do urgent investigation to open my online bank again and control my account.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$2200.00} ( previously late open ) XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} ( previously late open ) Collection : XXXX AND XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1700.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I receive an email from TransUnion asking me to click to go to their website, to check my credit. I clicked, and at their website, I clicked to sign in, entering my correct TransUnion username & password, and I told : Invalid Credentials : Please Try Again ''. Also, inside my credit report, TransUnion has had my " Personal Information '' section loaded with a fraud alert containing an outdated outdated phone number from more than13 years ago, and TransUnion refuses to allow me to update that fraud alert. Also, TransUnion has posted a ridiculously fake address, a place where I have never lived, never done business with, and never associated with anyone who's done business there or lived there, being many hundreds of miles away from that geographical area of the USA. I found out about the fake address a year ago, at a job interview. I XXXX that fake address, and it was a mental health hospital in XXXX TN. I have contacted TransUnion repeatedly, by phone, by email, by postal mail. TransUnion refuses to report to me who provided the fake address. Yesterday, it took me more than an hour to login, and TransUnion wouldnt allow me to freeze or unfreeze my credit report, with a screen saying Freeze status is UNKNOWN.