23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received an alert on my credit report that I had a loan in default. I had not received any information regarding what loan, who it was with, or how to schedule payment. I spoke with PHEAA and was told they could not help me with the loan that I had to go to Student Aid and submit a consolidation claim. I requested a statement or breakdown of detailed info on the loan from PHEAA and was told " we don't have to send that '' and " when we do it is sporadic. '' I then asked for the specific loan number and school name which he did supply. This loan is part of a class action lawsuit which started in 2020 when the pandemic hit. I filed all the paperwork and was told I qualified for loan forgiveness due to this specific school. I since had not received any updates. I have no problem starting to repay on this loan, but I do not understand why I received no notification or assistance from the loan servicer regarding the need to start payment. All the government agencies told me I had to contact PHEAA, but the PHEAA rep is telling me " we can not help you. '' All my other loans are in repayment, and setting up payment is not an issue, but I was not even supplied with the loan number until today. The loan did not appear on my loan list until it was in default.
Product: Checking or savings account

I get my child support from XXXX on a Direct Express card. 
This month I can't access anything. 
They say my card is invalid. I try to use my Social # and they say it's invalid. 
No one will answer the phone. I've tried numerous times, for more than 45 min., no one answers.

I called Social Security and they say I have to talk to Direct Express. 
I've called every affiliated company and they all say contact Direct Express. 
Please help me.
Product: Debt collection

Recently, I disputed a trade line being reported on my credit reports by XXXX/XXXX XXXX XXXX. The results of the dispute came back as 'verified and accurate '. Thus, because I have no knowledge of this debt and I disagree with the amount claimed to be owed, I disputed the debt directly with XXXX. I specifically asked for full accounting for the amount claimed to be owed. Meaning, I would like to see the billing and payment history from the date the account opened until the date the account closed. Furthermore, I asked for proof of contract. XXXX failed to send me any of the requested info, but instead, they sent me a typed up bill summary ( attached ). Lastly, I spoke with a XXXX employee and I was told that my records didn't exist. Thus, I couldn't be provided with the billing and payment history.
Product: Mortgage

This complaint it is intended to expose that Wells Fargo continues with illegal abuse of homeowner 's rights and it is using the settlement of several violations of agreements to achieve greater benefit towards them and their way of defrauding not just the consumer who have suffered great harm by been wrongfully foreclosed. This XXXX XXXX remediation plan it is XXXX and Wells Fargo it is using it to commit even more abuse and benefit from it instead of correcting their misconduct and illegal way of business. I will be referring part of this complaint to the XXXX so that our Bank Enforcement Agencies can also be hold accountable in been more efficient in making the banks not make a joke of them by getting away with it. Since my case is beyond the scope of the majority of complaints submitted to you, I am requesting a special oversight officer to contact me directly in order to give the specifics of my case and find a way to make Wells Fargo not to continue abusing the system " Continuance of Violating Homeowners Rights and Settlement Agreements '' and embarrassing our Consumer Protection Agencies. Insights about my case ; Wells Fargo tried to settle pain, suffering and damages by sending me a check back in XXXX of last year, this compensation check does not offer near enough to compensate for the devastating ripple effect a foreclosure can have, including the stress and trauma of losing ones home, related health problems, and destroying peoples credit, aside from other damages including depriving homeowners of their home value and much more. I will greatly appreciate it if someone who has understanding over the matters mentioned above can contact me either via email or calling me directly in order to state more about how Wells Fargo it is using the Settlement Agreement Process towards their benefit and not of the homeowners and consumers, and I request for this complaint not to be share with them until a full investigation is initiated in order for them to hide what they have been doing before, and since they were found in violation of Federal, State and Servicing laws.
Product: Credit card or prepaid card

XXXX I received a bill for purchases I did not make. I reported fraud with the company ( XXXX XXXX ). They canceled the card and sent me a new one with a new #. The next month I received another bill with more charges. Again I called to report fraud and told them I do not want another card. Cancel my account. This happened for three more months which I reported fraud and how can they make changes on an account that was canceled. Now they are saying they refused to accept fraud charges because I live less than an hour from where the charges are made. I refused again and they are looking at it again as one claim
Product: Credit reporting or other personal consumer reports

I am reaching out to seek assistance in resolving a critical financial matter that has severely affected my credit score and financial stability. The actions taken by XXXX XXXX and XXXX XXXX XXXXXXXX have placed me in a challenging situation that requires immediate attention. 

Following the closure of all my credit card accounts by XXXX XXXX due to returned payments, my credit score plummeted from XXXX to XXXX, and subsequently further dropped to XXXX. This decline occurred in two significant steps - first, a decrease of XXXX points, and then an additional XXXX reduction. The situation was exacerbated when XXXX XXXX XXXX closed my bank account without notice, returning all credit card payments due to fraudulent charges stemming from a data breach that compromised my account. 

These circumstances have caused considerable distress and financial uncertainty, leaving me in a vulnerable position. I implore your assistance and expertise to help rectify these issues and restore financial stability. 

Your urgent attention to this matter is invaluable, and I am hopeful that with your support, we can navigate through these challenges and work towards a resolution.
Product: Credit reporting

I have disputed this issue with the credit reporting companies but have not received a final response. 

I had an account with XXXX XXXX XXXX , XXXX. Since XXXX/XXXX/XXXX, I have been paying the XXXX District Attorney on this account. Since XXXX/XXXX/XXXX, XXXX XXXX XXXX has been reporting a balance of {$2800.00} to all XXXX credit reporting companies. Signature Leasing failed to report to XXXX XXXX XXXX that I was making payments through the XXXX District Attorney. XXXX different companies were trying to collect on this account with XXXX reporting negatively on my credit reports. I applied for an apartment in XXXX, XXXX and was denied because XXXX XXXX XXXX was reporting it as a collection account for XXXX XXXX XXXX , XXXX. 

Had XXXX XXXX XXXX , XXXX reported to XXXX XXXX XXXX the correct information about the payments being made since XXXX, XXXX XXXX XXXX would not have been able to report negative information and I would not have been denied for the recent rental application.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The EX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told in XXXX of 2021 that I had been approved for a loan modification which stated that I had to make 6 months payments on time to enter into a modification which I did and was approved for a modification. After I return signed notarized copys they said Id be sent my copy of the signed and notarized copy. I still havent received my copy. I talked to them numerous times and everyone I called and request my copy said theyd send and they never did. I was not informed ever about them changing my mortgage note from 30 to 40 years and I couldnt get anyone to return my call with my questions. Every time I call they say Im behind on my payments. Ive explained numerous times to every rep that I never would have been approved for modification if I was truly behind. Newrez continues to report to all the credit bureaus that Im late and behind months on my payments which is false and is destroying my credit score. Due to Covid and the death of my wife and me being disabled on strong pain medication Ive been extremely stressed out. How unprofessional not to address my questions and concerns. I suspect it is being done deliberately to keep me locked in at my 4.5 % which they benefit approximately {$3000.00} a year on each 1.0 % interest on my {$300000.00} mortgage for the next 40 years. I thought there federal protections in place to stop this kind of treatment of people, especially since Im a XXXX XXXX XXXX XXXX, widowed man. I will continue to protest my treatment. Hopefully I dont need to get a lawyer to get any help from anyone government or Newrez. Still waiting for proof that my modification was approved with either a letter or an email. All I have is my word of what Ive been told. From this point forward Ill be recording any phone conversations I have with Newrez to prove Im being messed with. Shame on you Newrez saying youre trying to help me. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several items with each credit agencies snd the information still remove two accounts on my report should be removed because it was requested by both companies to be removed XXXX  and XXXX  REQUESTED TWO FILES BE REMOVED YET XXXX  XXXX  AND TRANSUNION ARE NOT ABIDING THIS IS ONGOING AND MY SCORE IS NOT BEING RAISE CORRECTLY I am at a point to seek counsel because for years I have kept record of the mis information XXXX DELETED ASAP XXXX DELETED ASAP THEY ARE NO BALANCES ON THOSE ACCOUNT
Product: Credit card or prepaid card

Someone stole my information and opened a credit card in my name in South Dakota and I never been nor lived there I need this off my credit report. This Is Not XXXX.
Product: Debt collection

I will be attaching my last dispute to communicate best with you what 's going on. However, my main issue is with the XXXX Texas Tolltag Authority. My main XXXX complaints are 1 ) The fees they charge ( {$25.00} per invoice ) are incredibly exhorbatant and 2 ) Their billing makes no sense. They retroactively send invoices for 3+ years in the past with {$25.00} fees attached, having never sent invoices prior, then refuse to remove the fees. I recently received a bill for the first time for {$120.00}, for only {$21.00} worth of actual tolls, from XX/XX/XXXX, having never seen it. Please read the attached dispute to more accurately get a sense of the lengths I have gone to get verification on my debt. My main concern is that there is absolutely no governing body that makes sure the NTTA is within any type of fair billing practices. There is no one to go to when you dispute the charges. They hold you hostage for as long as they like with bills from the past and then if you do n't pay it, threaten with arrest. I have spoken with lawyers who refuse to take my case because " there is no point in fighting with the NTTA. '' I have spoken with so many people who have the same issue but have no where to turn. Someone has to be there for us, to impose some type of rules on them. Their billing has to make more sense, there has to be some type of rules that govern how they can collect and how far back they can go. I just do n't understand how this entity gets away with this and no one questions them. I have paid over {$2500.00} to them for tolls and received another packet for {$12000.00}, only {$1000.00} of it is for tolls. FROM AS FAR BACK AS XX/XX/XXXX! Someone please has to help us Texans, it 's ridiculous.
Product: Credit reporting or other personal consumer reports

I see this account XXXX  XXXX was claimed to be verified. Please provide all documentary evidence on the procedures used to verified this account. This account is being reported without permissible purpose. You have an obligation to protect my right to privacy and to follow reasonable procedures beyond just verifying information from the direct furnisher.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I made a reservation for photos however found my cash app payment failed. I followed the app and found they said my account was closed which confused and scared me. 
I contacted cash app right away. The representative read a script that said he couldnt me essentially and someone would email me back. I gave the details to the representative and didnt hear back via email. The representative said he would forward the inquiry and gave some hope that my cash app would be restored verbally. 
Since the closure of my cash app was so confusing and I had thousands in my cash app I was worried and transferred it to my bank to arrive on Tuesday. However left XXXX in the account because I figured I could transfer it to my spouses cash app so we may have cash on hand if needed. 

Saturday XX/XX/XXXX, I open my cash app and checked my email to see if anyone reached me back from cash app, I also checked several times Friday after my inquiry. There was no response but I found my cash account said {$0.00} and I looked in the app and seen my funds were sent to my bank. I was alarmed to see all my families money being moved and scared and confused trying to understand the transfers and where the money was I looked at the Tuesday transfer and pressed the only live butt on on that transfer and it charged me for the funds to be transferred more than I wanted to pay. 

Im upset no ones reached back to me or told me what terms I violated for This closure and I attempted to call again and its the same response, a scripted i cant help you and someone will email you. 

Please help and make Cash app responsible and accountable for this confusion and ask them to explain further
Product: Checking or savings account

I have been using PayPal to receive payments for my online business and also paid some of my staff using same platform. 
I then got a notice that PayPal is requesting for my verification details I gladly provided the files required and all was fine until i get notified that my account has been permanently limned I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts/Inquiries that are still reporting on my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have a XXXX Card on my report, I did not open an account with XXXX, nor did I co sign on a account. I want this removed from my credit report ASAP. Under the current laws I thought that company had to prove that an account belong to the person before placing on a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX wrongfully reported to all three credit bureaus that I had an overdue credit card balance of XXXX dollars. This information was incorrect. I have reached out to XXXX on XXXX different occasions once in XX/XX/2022, and once again in XX/XX/2022. I was informed that the wrongful reporting will be removed from all three reporting agencies. Unfortunately, it was only removed from XXXX, XXXX. Currently my XXXX score is XXXX because it does not show the incorrect late credit card payment. Trans Union and XXXX shows my score in the low XXXX because the incorrect late credit card payment is still showing on the reports. Ive reached out to XXXX and Trans Union for assistance in this matter and I have yet to hear back from them. XXXX has not been much of a help XXXX. any assistance in this matter will be greatly appreciated.
Product: Debt collection

I have been getting repeated calls from XXXX XXXX They are trying to contact XXXX XXXX, a person who used to have my phone number. Sometimes they call several times a day. I was told that the number is still listed to this other person, but it has been my number for over 2 years. I have asked them to stop calling. Sometimes when I answer the phone, no one will respond. I have an unlisted phone number, which I have requested from XXXX XXXX XXXX, that nobody be able to find my phone number in a phone book or on the internet. I am not the person they are trying to reach, and it is not my responsibility to provide them with my information. I would like the phone calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent off a certified letter to the bureaus stating to make sure my credit report was 100 % updated and make sure all info was correct. 

the credit bureaus stated account name and number was properly investigation but how is that possible if open dates is inaccurate the date last active inaccurate and date last reported is not accurate.this ground for removal.they also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit report as well. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST XX/XX/2024 Re : Name : XXXX XXXX Address : XXXX, CT Account # XXXX Dear : Jefferson Capital Systems LLC I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont what these banks are thats showinh up on my credit report yall need remove it now please
Product: Debt collection

On XX/XX/2024, I checked my credit report on XXXX XXXX XXXX had a reported collections from LVNV FUNDING & a balance of over {$2000.00}, that was opened In XXXX of 2024, however Im unaware of this debt, and have never received any letter/documentation that this account was even open. 
I began a dispute with XXXX XXXX XXXX have not heard back.
Product: Checking or savings account

I tried to reach Citi bank XXXX, XXXX on XX/XX/2021 7 times to make a report about 6 fraudulent debit transactions from my Citi checking account and my identity was verified 5 times ( by XXXX, by XXXX from fraud department and then I was either promised that fraud repreresentative/investigatior would call me back within 1-2 hours or when keep calling, Citibank fraud department dropped XXXXy phone calls after asking to stay online 2-3 min. I was staying XXXX and more minutes and they dropped my phone calls. I am a victim of identity theft, and a result a victim of 6 fraudulent debit transactions from my Citi checking account in total {$12000.00}. The Citibank is not cooperation from the very first moment to help me to establish a fraud clam and to get a claim number. I will fill out, sign and notarize Citi bank Security Affidavit and mail to Citibank Head Office in XXXX XXXX, TX and to Citibank XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 
Please help.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an inaccurate and unauthorized collection account being reported on my credit file by Equifax. I had previously requested that the debt collector responsible for this account cease all communications with me, as outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which legally requires debt collectors to stop all forms of contact upon receiving a cease-and-desist request. However, despite this, the debt collector continues to report the account to the credit bureaus, which is a direct violation of my rights and is negatively affecting my credit score and financial stability. Furthermore, this reporting violates the Fair Credit Reporting Act ( FCRA ) as the information is inaccurate and remains on my credit report even after my formal dispute.