23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Last month, I lost access to my account at MOHELA during the servicer transition. Then, Sunday night ( XX/XX/XXXX ), I received an email stating my transition was complete and to create a new account. When I set-up my account, I saw I had a bill due XX/XX/XXXX, which is in XXXX week. 
I do not find this time frame acceptable, and believed from previous information posted by the ED that I would have a minimum of 21 days notice. Additionally, I was actively trying to keep track of my due date when I didn't have access to MOHELA, and my studentaid.gov account stated that I didn't have a due date until XX/XX/XXXX and was in forbearance. Then, the date on studentaid.gov changed to a due date of XX/XX/XXXX, which has already passed. This also didn't make sense because I paid my XXXX bill prior to the transition. This process has been stressful, inadequate, and confusing, and I believe MOHELA has not lived up to the repayment process requirements set forth by the ED when student loan payments resumed last fall. As soon as my loan transferred to MOHELA this spring there was an issue with the amount the attempted to deduct and I had to be put on administrative forbearance while they sorted through the issues, so Ive only ever paid one bill through MOHELA. Lastly, I have never been able to contact MOHELA and receive consistent information ( including today ) and I've had to read ED memos to them over the phone to get them to do the right thing. They've been a nightmare. As a loan servicer, why are they allowed to bill me with only one weeks notice? And if I hadnt been diligently searching for communication, when would I have seen it, as I never received an actual billing statement in my email, other than what was in my messages on the new account, and dated XX/XX/XXXX, XXXX day before I even gained access to the account. I should receive an adequate time frame to pay my bill, especially considering how unreliable and frustrating MOHELA has been since I was first moved to them in XXXX and again in XXXX. Please help.
Product: Debt collection

Durham & Durham XXXX at XXXX are attempting to collect a debt that is not owed. I have made several attempts to resolve this issue, but to no avail. This medical debt was covered by insurance and financial aid. I am not sure why they are still trying to collect.
Product: Credit card or prepaid card

I have filed Case # XXXX with Barclays ... .The issue began in. XXXX When I received this credit card for XXXX XXXX, gap and old navy .Right away i got a statement before I even used the card.Its been multiple calls to resolve this issue since XXXX. 
I have purchased items worth {$43.00} and have made payments for over {$70.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX accounts # XXXX and # XXXX are reporting debts I do not owe. These debts are past the New Mexico statute of limitations and I do not legally owe these debts. I would like these accounts to be removed off of my credit as I no longer owe them.
Product: Debt collection

I have told XXXX Bank since XXXX XXXX to not call me. In XXXX XXXX they started to call my parents and my husband. They too have also told them to stop calling and in the past week XXXX XXXX > XXXX XXXX XXXX, we have all gotten multiple calls. I do n't know what else to do and was advised by my attorney to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collections account show up on my credit report dated XX/XX/2019. The collection agency is Jefferson capital systems LLC and states the debt is from XXXX XXXX. I have never been a XXXX XXXX  customer as I have had XXXX and prior to that was XXXX. I have contacted the collection agency to validate the debt on multiple attempts with no validation to date. After speaking with somebody, they stated it would be removed from my credit report. It is still showing after multiple months.
Product: Debt collection

For the last XXXX years I have been getting collection calls for a person I do not know. The most recent of these calls was from XXXX XXXX at Allied Interstate ( XXXX ). When I asked to speak to his supervisor about this call he was unable to connect me because 'they are all busy or at lunch '.
Product: Debt collection

This company continues to call from different area codes and phone numbers up tp 20 times a day after I have informed them to stop calling and to send whatever information they say is owed to them to the address on file which I have yet to receive, however the phone calls as of XX/XX/2016 have continued.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, XXXX XXXX XXXX received a via certified mail, a notice that an alleged creditor PHOENIX FINANCIAL SERVICES did not respond to a lawful " VALIDATION OF DEBT REQUEST '' ( copy of notice & proof of service attached ). I originally sent PHOENIX FINANCIAL SERVICES the " VALIDATION OF DEBT REQUEST '' and it was received on XX/XX/2021 ( original letter & proof of service attached ). I have gone through the proper channels & process to address the alleged debt & both the bureaus & the creditors have violated my rights per FCRA & FDCPA respectively.
Product: Checking or savings account

I received an email on XXXX XXXX from Wells Fargo indicating if I opened a new checking account using the link they provided, I would be awarded {$320.00}. I needed to open the account before XX/XX/2023, have a total of {$1000.00} in direct deposits for 90 days, then I was to receive the {$320.00} bonus. I clicked on the link they provided from my email and opened the account on XX/XX/2023. After I opened the account, I noticed the bonus code was not in my paperwork. The bonus code was XXXX. After I noticed the bonus code wasn't there, I immediately called customer service #. They told me to go into the branch and they can add the bonus code. A week later I went into the XXXX CA branch ( XXXX XXXX XXXX, XXXX, CA XXXX ) and they applied the bonus and they said to wait until all the terms of the offer were met, then you would received the {$320.00} bonus. 120 days after I opened the account, I called the customer service department and they indicated the code was not applied when I opened the account. I said, it wasn't my fault your email link did not work properly and I wanted to open a complaint. I opened a complaint and they denied my claim. I asked to speak with a supervisor and they opened another case. Again, they said since the code was not there on the day I opened the account, it was not valid. I reiterated, the email from Wells Fargo indicated the link would auto-apply the code, which it did not. I would like to add, Wells Fargo has some of the worst customer service representatives I have experienced at a bank.
Product: Debt collection

I have had my phone number since 2010. I have been getting collection calls From Fifth Third Bank I believe for a collection. They call every day almost and have been doing it for well over a year. I have asked two separate people that I have no clue who these women are and to stop calling but it just continues ...
Product: Checking or savings account

I lost my wallet and someone took my atm card from bank of America and tried to deposit bad checks into my account.
Product: Debt collection

The bill collector originally called my father and the message was passed on to me that this person keeps calling even after my father communicated that it was wrong number. 

I called office and someone just answered with " hello. '' I had communicated that someone was trying to call me and that I did n't know where I was calling. The female then transferred my call to the collector. 

I gave the gentleman my name and told him that they needed to remove my dad 's number from their system. He then cut me off and asked if my dad 's name was XXXX. I did n't want to give my dad 's info so I did n't answer and told him to take out number. The collector then said " Your father said he did n't even know you, just thought you should know that. '' I was taken back and asked what the point of his statement was and he just said " well, just thought you 'd like to know that he said that. '' Then he asked me if I remember seeing a Doctor back in 2015. I said, " I saw a lot of doctors. '' Then, without even verifying any more info, he completely disclosed what the bill was, who it was for and asked how I wanted to pay it. I said " Yo 're not even going to verify last 4 of my social? '' He then replied " you already verified yourself as XXXX but I have the full thing in front of my face '' " Last four XXXX and then gave me my birthday ... Then asked again, how I wanted to pay the bill or was I refusing to pay. I explained that he did n't give mini miranda or call disclosure and did n't properly verify my info. He laughed and asked if wanted to complain to a manager. I agreed and spoke to manager. Again, without disclosing who I was, he tried to get me to pay my bill. They did n't verify anything or disclose anything.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit, but also causing me significant stress and XXXX I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial wellbeing.
Product: Debt collection

The following account is not mine JPMCB CARD Account Number :  XXXX Please remove it from my credit report.
Product: Checking or savings account

I recently lost my job due to the pandemic ; and am still job searching. I received a notice from a company for a remote position. I exchanged messages via email and I received an offer letter, which matched the company info and job description. I was sent a check in the amount of {$4900.00} which I was to deposit and use to purchase work materials and computer software. I researched and found that the company was based in Ohio and thought it made sense for them to hire someone immediately. I deposited the check on XX/XX/2020. Chase restricted my account on XX/XX/2020 as payments for my regular bills were getting returned and I incurred insufficient funds fees of {$34.00}. They are also withheld my dividend disbursement of {$7.00}. 
I have called customer service, countless times only be told that I was to received a check for the funds of my account in 1-2 business days. A  week had gone by and I received no status update. I went into my local branch XX/XX/2020 and they only ask if I have called the fraud department where I am only to leave a VOICE MESSAGE and I have to wait for someone to call me back. I was advised that the person assigned to reviewing/closing my account has not done a thing, let alone respond to messages. I have had two different bank reps leave messages on my behalf and I have also called and left messages myself. It has now been three weeks, my bills are past due, my credit is getting dinged, and I have not received a call from a Chase manager. 
I am currently on the phone, holding to speak with someone this morning and have been on the phone since XXXX XXXX  XX/XX/2020. This is unacceptable from any " Financial Institution. '' How is a simple task of closing my account and issuing my money this difficult? Mind you, the amount from the fraudulent check has been returned from the issuing bank. There is nothing else to review.
Product: Checking or savings account

I opened a checking account through US BANK I didnt have the account that long and the account ended up closing but I ended up making the payment to the account and im.still.not able to open an account anywhere. When I went to pay the bank.account off the teller at the window said that it should have posted that i.paid it.. All I'm trying to do is not have to have greendot cards anymore so I would like to know what the. Next step to be able to get this fixed so I can open an actual checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously contacted Experian regarding this issue in Complaint XXXX. I am filing this complaint because third party companies accessed my Experian credit report without my knowledge, authorization or approval. I contacted the companies that posted inquiries on my credit report and was told to contact Experian. Experian has so far refused to open a dispute regarding these inquiries. These inquiries have an adverse effect on my credit report and are disputable under the FCRA. Since I did not authorize these inquiries I am requesting an investigation into them. The inquiries found on my credit report that I did not authorize are : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Experian should be bound by law to investigate my dispute. These disputes are a result of fraud.
Product: Credit reporting or other personal consumer reports

Received a 1099-c f, rom XXXX XXXX for tax year XXXX cancellation of debt and filed with my income for that year. This account is still on my credit report when is should not be. The debt no longer exist,
Product: Vehicle loan or lease

This was a stolen Vehicle of mine. Upon the theft the vehicle was finally recovered but I was never notified of it being recovered. When attempting to get the Vehicle from the police station they had continued to tell me to allow my insurance to pull it out of the impound lot. My insurance gave me the run-around and continued to let me know that I had to be the one to pull the vehicle out. Since it was sitting within the impound lot, It had accrued near {$3000.00} to pull out in which I did not have the funds to do so. It was than repossessed from the police lot by XXXX. I believe this is not my fault or doing to be taken care of in this situation and would like to see some action on my credit report. Here is the provided info for the Police report and inbound lot : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX XXXX Claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Two of the credit bureaus have taken over 30 days to respond to me about investigations that I requested. I sent the request on XXXX XXXX, and have yet to receive a response.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax..
Product: Credit reporting or other personal consumer reports

This account has been paid off and should not be shown as a charge off, but as resolved.
Product: Debt collection

Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have XXXX accounts linked with the same account number on my credit report. Its unauthorized
Product: Money transfer, virtual currency, or money service

Complaints against : PayPal Holdings , Inc. 
XXXX XXXX, California USA I am writing to express my disappointment with the recent closure of my PayPal account on XX/XX/2023 due to AUP violations. While I understand that PayPal has the right to terminate accounts for violations of its terms of service, I find it inappropriate to withhold my funds for 180 days. 

I acknowledge that a portion of my funds may need to be reserved in case of disputes, but I do not believe that the current amount of my PayPal balance, which is approximately XXXX euros, is necessary for this purpose. Therefore, I am requesting that PayPal release the majority of my funds to me as soon as possible. 

I can confirm that all the information on my PayPal account is accurate, including my first and last name, my residential address, and my linked bank account. I have evidence to support the authenticity of this information and am willing to provide it if necessary. 

I am hoping for a timely response from PayPal on this matter and would appreciate your assistance in resolving this issue. Thank you for your attention to this matter. 

Sincerely
Product: Debt collection

Debt was paid by insurance company in XXXX 2015. Trinity Hope knew the debt was paid as an email was sent by the billing company to Trinity Hope at least on XXXX XXXX, 2015. The billing company and the insurance company do not have any records of another " mystery '' debt they claimed I owed. They would not provide the name and address of the original creditor as required by federal law so I could never validate the debt. The name of the original creditor provided in the Validation letter forward to me on XXXX XXXX, 2015 could not be found in a XXXX search. They did not provide this information to me because they did n't want me to contact the original creditor. They just continued to call and call and call and email and email me. Both the original creditor 's billing company and my insurance company has called and emailed them. Record all your phone conversations and demand that any correspondence be conducted by email. I did both and they prove that Trinity Hope violated Federal laws. I will be taking them to court on the civil side. I have requested charges be filed by the local police department for felony fraud and attempted theft.
Product: Debt collection

I applied for a loan to purchase some recreational property and when the bank did a title search on the land it came back stating I had a default judgement against me in the amount of {$1200.00}. So the bank denied my loan. When I asked for a copy of the judgement it does not state who creditor was but it was entered on XX/XX/XXXX.I never received anything in the mail about this and I have lived at the same address for the last XXXX years and was living here when this was entered.My son and I have the same name except he is XXXX and I am XXXX.The Judgement says our full name and a.k.a. XXXX on it.The debtor address is an address where my son used to live.He has horrible credit my credit is good and this Judgement did not show up on any of the XXXX credit reporting agencys on my credit. I went to our court house and tried to get it removed they would not, I went to the title company they said For {$75.00}. dollars I can file an affidavid stating that then bring it to court house and for {$40.00} dollars more I can have it filed. I am not paying a penny for a debt that is not mine. I contacted the Head Person for our county and he said I should hire a lawyer. I tried to contact the plaintiff listed on the judgement the phone number I was given says it can not be reached from my calling area. I google the address and it comes up as a different business when I tried to call the number on the ir websight it says this is a working number but no one ever answers and there is no voice mail.I googled the names of the XXXX attorneys and the law office they are from and I can not not find them in Minnesota. They are supposed to be in XXXX XXXX.And in Minnesota it says that after XXXX years the judgement has to be dropped and it was entered in XXXX and this XXXX.
Product: Credit reporting or other personal consumer reports

Experian # XXXX XXXX XXXX XX/XX/24 XXXX XXXXXXXX XXXX XX/XX/24 phone calls to original creditors XXXX XXXX about reporting inaccurate balance to the CRA balance of XXXX the current balance should reflect XXXXXXXX XXXX  stated reported to the CRA on XXXX XXXX of each month last updated was XXXX of 2024.Consumer request updated to all XXXX credit reporting Agencies. FCRA stated creditor must be accurate information to the CRA.
Product: Debt collection

I have been making monthly payments to Portfolio Recovery, but upon receiving my credit report, discovered I do not owe them money. 
Their contact number is XXXX. They also have made repeated phone calls to family. I want this to stop.
Product: Mortgage

My prior mortgage servicer ( HomePoint ) made a mistake when calculating my escrow balance needed during the year 2021. They have since admitted to this mistake to my current mortgage service provider. This caused an overage in my account in which they refunded to me that year as well as me paying insufficient amount due to their miscalculation. During the next fiscal year, my load was sold to XXXX, who assumed all the obligations and payment info with no checks into the balance of the escrow account. During XXXX 's yearly escrow analysis they noticed the escrow discrepancy and informed me of the severe shortage. I reached out to them and they informed me that the cause of error was in fact done at HomePoint. Through their complaint process we reached out to HomePoint to rectify the situation and refund the amount they admittedly miscalculation but have since neglected to rectify.
Product: Checking or savings account

I went to TD bank today, XX/XX/2024, branch XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX Florida to withdrawl {$8700.00} to pay workers home repair and they said they did not have that amount! And they called another branch on XXXX XXXX and XXXX XXXX who also said no. How can a bank not have money? It's not millions. I knew limit on ATM but nobody ever said anything about other withdrawsl. So I had to make a REQUEST and they said I could have MY MONEY BY NEXT FRIDAY!! XX/XX/XXXX. Meanwhile work on my home stopped. This seems ridiculous. Somebody please look into this- how can a bank not have money on hand.