23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is the 4th or 5th complaint I've been required to file around the PSLF program. The most current issue is that despite having received a document directly from FedLoan in XXXX with verification that all 120 qualifying payments had been made for the PSLF program and having qualifying employment, my PSLF approval continues to be delayed for no clear reason. My most recent attempt at getting approval began XX/XX/XXXX when I applied then received a message from XXXX on XX/XX/XXXX stating they didn't like my electronic signature so that same day I provided them with a new signature on the PSLF application. I received a message two weeks later XX/XX/XXXX from FedLoan again stating that they've received my PSLF application. Months passed and I heard nothing so I contacted FedLoan customer service on XX/XX/XXXX and inquired on the status of my PSLF application and expressed confusion over why it was taking so long to process when I had completed my 120 qualifying payments back in XX/XX/XXXX and FedLoan had already provided me with documentation of this. The FedLoan customer service staff told me that my PSLF application ''had been approved just that day and the letter was so hot off the press she couldn't even access it to read it ''. She stated that it was ''mailed out that day ''. I confirmed several times with her that it had been approved and she stated that the only reason '' FedLoan was unable to make the loan balance zero right now was that they needed Department of Education Approval first. '' Although this was a strange explanation and a literal ''check is in the mail '' response, I had no choice but to accept what information was provided. It's now been 10 days and I've received nothing, either electronic or paper on the status of my PSLF application. I should've been done with all of this in XX/XX/XXXX but here we are in XX/XX/XXXX still having everything drug out with zero explanation for why FedLoan continues to delay my PSLF.
Product: Checking or savings account

Ive been blanking with wells Fargo bank for over 2years, and theyve been wrongfully charged my account and make me pay late fees etc, until they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any items listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of items that do not belong to me or were opened without my permission. 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 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 According to FCRA Section 605B ( a ) theCREDIT REPORTING AGENCIES shall block any information in the file of a consumer that theconsumer identifies as information that resulted from alleged identity theft, not later than 4 businessdays after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING UNAUTHORIZED PULLS MUST BE REMOVE TODAY OR FACE CLASS ACTION LAWSXUITS.XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ALL HARD 10 ON XXXX
Product: Credit card or prepaid card

I have had a credit card with Citizens Bank for approximately XXXX XXXX XXXX XXXX XXXX. I was initially granted a credit line of {$9700.00}. 
A few months ago I was about two days late to a payment. Totally my mistake. I was very busy, lost track of the days, and made a payment the moment I realized my error. 
Citizens retaliated by cutting my credit limit down to {$4600.00}, with no warning and no explanation for weeks following the decision. 
Fast forward a few months to yesterday. They sent me an email stating that my credit limit had been restored to {$9700.00}. I was greatly relieved as the limit cut had hurt my credit score. 
I called today to inquire as to when the increase would take effect. I was told there was no increase and that the email must have been a scam. I work in tech and am trained to recognize scam emails, and I assured the agent that this email was from Citizens Bank. It wasnt until I requested a supervisor that they CONFIRMED that this email was sent by Citizens in error and had been sent to multiple customers. They offered a lukewarm apology and no recourse at this time. I am disgusted and strongly considering moving my finances to another bank that has more respect for their customers, and is more careful with their communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on my credit report that this account is negatively impacting me. I paid this off in full with the debt collection agency they used to follow me years back already. I need them to remove this off of my report because it was paid in full already.
Product: Debt collection

XXXX I Filed a complaint against Halsted Financial Services LLC as  they made false statements indicating a refund to myself as this did not happen. According to their reply to CFPB XX/XX/2019 they would cancel and refund, the refund never happened. I NEVER AUTHORIZED THis company to take such fees and they went into my account without my authority and caused checking to be in a overdraft, and numerous fees. They indicated that they would refund all transactions as this is false and they have no proof. Made false accusations of a refund did not happen on either account. See below I couldnt respond in 30 days due to my illness. 

complaint filed by XXXX XXXX against Halsted Financial Services , LLC . Complaints of this nature are very serious and are not taken lightly. Upon reviewing the relevant call recordings we found that the convenience fees applied on the transactions in question were authorized by the consumer, however, due to the nature of the consumers experience with our office we have decided to cancel all future transactions and initiate a refund for all transaction fees already charged to the consumer. Additionally, both accounts in question have been permanently closed in our office. I hope that this addresses the consumers concerns. If I can be of any further assistance, please do not hesitate to contact me directly by phone at ( XXXX ) XXXX or via e-mail at XXXX. Sincerely, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Halsted Financial Services , LLC email : XXXX PH : ( XXXX ) XXXX
Product: Student loan

We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXXXX/XX/XXXXThe Department of Education has already found significant evidence of misconduct by these schools. Specifically, XX/XX/XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, a consumer am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 1. SEND ME A DETAILED LIST OF THE HISTORY OF PAYMENTS BY MYSELF 2. SHOW ME THE SIGNATURE ON THE CONTRACT BY MYSELF 3. SHOW ME ANY INSURANCE CLAIMS FILED ON THIS DEBT 4. CHAIN OF TITLE AUTHORIZING YOU TO COLLECT ON THIS DEBT
Product: Debt collection

I have no idea what this debt is or where it came from. I do not have any mail, email, or phone correspondence from this company. I was reviewing my credit report before a large purchase and found this company Credence Resource Management. I did not give them any permission to use my information. I do not know how my personal information was obtained or when my express consent was given. Under several consumer rights laws I have been violated. Some of them include ; 15 u.s.c 1692e ( 10 ) '' The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer '', and FDCPA section 806 ( 2 ) '' The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. '' I have been abused an profanity used against me in my consumer report. I have severely harmed financially because of this illegal collection on my report. This has caused me to loose out on opportunities for safe and affordable housing, and safe and affordable neighborhoods to raise my family. I demand immediate and swift action be taken starting with the removal of this false information and verification that this information has been removed from all credit reporting agencies. I also do not want this company using my personal information further. They shall cease and desist all forms of illegal use of my personal information and likeness. This includes my name, address and phone numbers, social security number and birthdate.
Product: Debt collection

I submitted a claim before about Midland Credit Management, and the laws that were broken against me. However, in response Midland explained themselves on their behalf, and now after 30 days have passed I reviewed my credit report again and I'm seeing all the incorrect information that is reporting on my credit report. Midland still have not responded to my request of sending me validation of the account in the specific things that I've asked them to send to me as a result of validating the account. This is a on-going battle between Midland and myself, and I am getting nowhere with Midland, meanwhile they are reporting false information upon my account all while not ever validating the account to me. It's past the 30 day allowance for me to have received the information I've previously requested of them to send to me, and it was actually sent using the CFPB portal. Midland need to remove this account off of my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections accounts XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX {$170.00} Hard inquires that I have no acknowledgment of 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: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate customer service, an unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Called at XXXXXXXX XXXX on Wednesday XX/XX/22 to make payment. Spoke to XXXX with ID number XXXX who put me on hold for three separate instances before telling me a half hour later that she can not process my payment. This is my 8th filed complaint within past 4 years. Everytime I call and your company refuses to process my payment I will continue to file these complaints as it is my only option. I have never experienced worse customer service anywhere in my entire life bar none than when I call your company.
Product: Debt or credit management

I went to pay for a tattoo though pay pal and an unauthorized transaction of XXXX bucks got sent to the other party.
Product: Debt collection

Calling on average 4 times a day from different numbers, i have attached 1 weeks of the harrasment over {$55.00} debt which has been paid
Product: Credit reporting or other personal consumer reports

this account is still on my report and being wrongfully updated by experian XXXX and XXXX  the reinvestagation was just a standard reply with no facts i asked how was this being reinvestagated i got nothing i asked for the 1099 from the charge off it was never given to make it worst the lost was covered on a XXXX claim and i submitted cert mail identy fraud and police report all cert mail all notarized also requested to have my personal information corrected nothing was corrected i call cant get through to anyone hours on the phone being lied to i pay for my membership account i get no help just more lies this is hurting my loan and living situation i send information that this company is not allowed to collect on debt in florida it gets ignored what are the laws for???? if u do not follow them? 
. all with diffrent information XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XXXXXX/XX/XXXX Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PNC BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 

I have not initiated any transaction with XXXX OF XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX OF XXXX for XXXX XXXX XXXX. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : 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
Product: Student loan

To whom it may concern, I have attempted to file for forgiveness of the Navient private student loans due to the school misconduct as identified by the U.S. Department of Education for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( and all XXXX XXXX ), with federal student loans being forgiven as of XX/XX/year>. I am submitting a new application as provided by Navient with additional support in attachments. 

In the initial denial letter from Navient, they did not provide any details as to why the application was denied, with online posts on social media showing that they have accepted other applicants for the XXXX XXXX for the same reasons I am claiming. I believe that the misrepresentation and fraud confirmed by the U.S Department of Education on the federal loans should apply to the private loans with Navient, regardless if they change who is servicing the loans ( now changing to XXXX starting in the XXXX XXXX, with recent notices of this transition ). 

Thank you in advance for your time. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I recently opened two new accounts with Discover Bank, a checking and a savings account. Ever since opening these accounts, I have been unable to deposit checks through mobile deposit. When I try to deposit a check it is always rejected immediately with only " due to security reasons '' as an error popup explanation. 

I have tried depositing checks from different people, with different banks, for different amounts, and the only thing that any of these checks have in common is that they are all personal checks. I have even written myself a check from an account with a different bank, and this check was also rejected without explanation. Notably, these are not high value/risk checks, with amounts from {$100.00} to a maximum of {$500.00}. The limits for mobile deposit per their own terms for mobile deposit are far in excess of these amounts. Also notable is that I have had a positive business relationship with Discover Bank 's credit card arm since 2018. 

I have contacted the bank through its chat support multiple times, their security department phone line, and spoke to customer support phone line to resolve this issue. The bank has taken the position that it can not solve the problem, can not identify the problem, and that the only solution is to mail in all checks for deposit to their address at my expense. It claims that it does allow checks to mobile deposited, just as their advertising claims, yet when employees are pressed as to why it never works for me they simply repeat that I am able to mail checks in for deposit. 

Despite repeated requests by me to escalate this issue, Discover Bank claims that it is unable to escalate the issue and my request that someone follow up with me to resolve the issue is denied. Customer support phone staff claim it is against federal regulations for them to follow up with me by phone, and that supervisors are not permitted to follow up by email. Per my last phone conversation with bank employees, they " can not guarantee '' that someone will contact me to take any action towards resolution. 

Mobile check deposit is a fundamental function of a basic checking and savings account and is heavily advertised in promotion of Discover Bank accounts. So far no action has been taken to provide this advertised service. In fact, there has been a direct refusal to work in good faith to even examine the problem. Instead, employees have seemingly been instructed to repeat " your check can be deposited by mail '' and to not escalate issues to people empowered to resolve them, claiming that there is no one empowered or capable for understanding why all checks are rejected for my accounts.