23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I paid Student Loan Financial Assistance {$140.00} on XX/XX/2019 and another {$140.00} on XX/XX/2019. I have not received a single email or piece of mail regarding the status of my Student Loan or of their efforts to address the situation since I initially signed up on XX/XX/2019 ( I signed up over the phone and then received an email with a congratulations on taking the first steps to financial freedom, with further instructions that were needed to move forward ). I sent my last pay stub to confirm income and was told I qualified for income base repayment. After waiting over two months I began to get concerned and wanted to know what was going on I called their office on XX/XX/XXXX, XXXX and again on the XXXX. I spoke with a random representatives that couldnt help me and was told they would ensure my case manager would get back to me to clear things up. That never happened. When I called on the XXXX I expressed my concern that this was a scam and that I would need to take further action. I never heard back from them and called again today XXXX XX/XX/XXXX ) .. this time the phone continued to ring/on hold for XXXX mins. They must have flagged my number or something because all the other times I called in someone picked up rather quickly. Then I was prompted to leave a message which I did. I decided to write an email for my records and requested a refund and warned that I would be taking action. I did some research and found out that when you student loans are in default you can not quality for any of the same programs like income based repayment that would be available if my loan was still with The Department Of Education - so clearly I was being fed lies. After figuring out Student Loan Financial Assistance is a scam, I have been able to find a solution on my own to resolve my debt with the collection agency in charge of my student loan ( XXXX XXXX XXXX ). I am now enrolled in a rehabilitation program to get my loan out of default which is what I was hoping to do with SLFA. I was informed by the representative that assisted me that SLFA never contacted the XXXX or filed any paperwork on my behalf. I am of disputing the charges with the bank as well as taking action to prevent identity fraud etc as this company has my social security number and other confidential information.
Product: Money transfer, virtual currency, or money service

I received a suspicious email so I called the number at the bottom. When I called them I did not provide any kind of personal or banking information but they were somehow able to access my bank account information, added themself as a XXXX recipient and sent them self {$350.00} that I did not authorize. I called chase and filed a dispute but the claim was denied.
Product: Debt collection

I formerly had electric service with XXXXXX/XX/XXXXuntil the week of XX/XX/2019. At that time, my lease was up, my landlord needed the rental property back, and I moved out on a very short notice. When I was moving, I contacted XXXX XXXX, I requested a disconnect, and I was told it would be turned off within 24-48 hours and a final meter would be read, and if the amount was more than my deposit I would have a final bill. I notified the landlord, and he told me he would call XXXXXX/XX/XXXXbecause he had family members moving into the home the same weekend. Skip forward two years, and I get hit with a debt collection for {$1900.00}. I contacted the debt collector, Bullcity financial, and contacted XXXX XXXX. Both businesses pushed it off onto each other. Per Bullcity, I needed to file an identity theft report, and a police report, so I did. I submitted proof of this, along with my ID, proof of residence, proof of not living in that home, proof of my new lease and bills with my new address, etc. Come to find out, XXXX XXXX did not disconnect power in my name, and somehow left in on for 3 months with no payments. The new tenants used the electric in my name, knew they were not paying an electric bill, and wracked up a bill that I received no notice about. I have contacted XXXX XXXX at least 10 times, spoken with supervisors, with their fraud dept, etc. I have been told that I have to submit proof that I called them two years ago. Which is nonsense. I do not have the same phone number, I can not access phone records from two years ago, and even without being able to prove when I called them for disconnect, they can easily prove when I left the home, when someone else moved in, etc.The landlord also spoke with XXXX XXXX when the new tenant needed service in their name, and had to verify when they moved in due to the outstanding bill at that address, and they still never put the charges on the new tenant. They will not remove this from my credit, and it is affecting my ability to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. During the purchase and financing process, I was told that the financing approval was dependent on the purchase of the vehicle warranty to protect the collateral and spare me any costs of repairs. However, once I agreed to purchase the warranty, I never received any information on obtaining service or scheduling repairs. I contacted the dealership and was told I would receive the warranty agreement and loan statement within XXXX days. 30 days later, I never received any information regarding the warranty or a loan statement to remit payment. I contacted the dealership to verify who financed the vehicle, and I spoke with the sales manager and was told that my financing was provided by XXXX XXXX XXXX and to contact them regarding payment and warranty information. I searched XXXX XXXX XXXX online and found a customer service number, I spoke with a representative and I was told my first loan payment was late. My payments have been 30 days late ever since that conversation. I called and requested assistance or a payment arrangement, and my requests have fallen on deaf ears. I have been assessed {$1400.00} in late fees, a {$200.00} repo fee ( This vehicle has never been repossessed ), and {$120.00} in XXXX return fees totaling {$1800.00}. XXXX XXXX XXXX has also reported this loan late multiple times to credit reporting agencies, causing substantial damage to my credit score. As of today, I have paid this loan current. I also have another loan with XXXXXXXX XXXX XXXXXXXX XXXX that has never been paid. I am requesting relief and my credit history to be restored.
Product: Debt collection

On XX/XX/XXXX I sent a request to verify the debt the company claim I owe. 

Few days ago I received account statements via mail. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. 

I ask to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file. 

The failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX XXXX was asked to send a check in the amount of {$6000.00} to XXXX XXXX XXXX XXXX XXXX XXXX. This was to be a Qualified Charitable Distribution as part of Required Minimum Distribution of the Inherited IRA Account. 

That check was never received by the XXXX. On XXXX XXXX, XXXX was again contacted and told to stop that check, issue & send a new one to the XXXX. 

The XXXX XXXX check was never received, and though XXXX was contacted in XXXX to ask further action, they never did anything. 

On XX/XX/XXXX, I contacted XXXX and asked them to send the {$6000.00} to a different address, that of the XXXX 's XXXX by next-day air so that they payment could be tracked. They asked for an uploaded document with signature containing the address, etc. This was done immediately. 

Since then, I've contacted XXXX many times to find out the status of the request. Today, XX/XX/XXXX, I was told that the XXXX XXXX check was cashed. I indicated to them that this was fraudulent, that the XXXX has never received it. I asked them to fin the cancelled check, see who signed for it and the bank that cashed it so that the fraudulent activity could be followed-up. 

I am still waiting for an answer. This whole process has lasted over 5 months, and caused me to make numerous calls and spend many man-hours. Many of my calls to their customer service have been dropped.
Product: Credit reporting or other personal consumer reports

Case number : XXXX XXXX XXXX only addressed ONE account ending in XXXX. They failed to address other accounts ending in XXXX ; XXXX and XXXX. They also did not address the issue of refusing to allow me to change my registered mobile phone number which was changed over 18 months ago. Still to this day they refuse to change the number from the previous ( XXXX ) XXXX. This is outrageous. They ruined my credit score and now conveniently claim there was no contact. I have written confirmation form XXXX XXXX that they DID receive all the documentation they required to verify my identity and yet refused to process it. I also have phone company records that show I called them several times over the course of many months while residing overseas to resolve this simple issue of primary phone number change but they refused to help me. The attached pictures show the confirmation email showing I did send them the required documents as well as just three out of several calls I made to resolve the issue. They refused to take action. XXXX XXXX practices are unscrupulous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I written several letters to XXXX, XXXX and XXXX and I still didn't get a proper response. So I'm hoping I can get some help.By law everything on my credit report must be accurate. And I send documents stating some inaccuracies on my credit report but I'm still getting letters saying everything is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : The goal in the headline of the letter is always to setup a situation where the burden of proof relies on the consumer reporting agency ( Credit Bureau ). You do not want to make a specific claim about a specific account in the first-round investigation request letter. The reasoning for this is called factual disputing methodology. Making a claim of Not Mine or Never had account when the account is yours invalidates the claim if it is in fact yours. Write as if you are a consumer without the fancy jargon in this round to prevent it being misinterpreted as coming from a credit repair company.

You cant go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( XXXX  ) and others who furnish third party disputes free of charge, etc. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$880.00}, XXXX XX/XX/XXXX
Product: Credit card

Hello, on the XXXX XXXX, I accidentally sent {$670.00} set aside to pay some bills & accidentally sent it to one of my CHASE credit card. It was an honest mistake. I immediately entered the CHASE App and immediately asked for it to be reversed. I followed up the following morning and a customer service rep did the reversal again for me, and said it's now set to be returned to my checking account in 24 hours. I followed up when it never appeared and was told my request had now gone to their Payments Dept. 
I was told to wait 1-2 days. I followed up 2 days later - still no refund. I rang up their Customer Service, Cards team and Payment team, all to be told that the refund was in motion and that it can take XXXX business days. A whole new story. Fast forward to today, after minimally a dozen calls and a dozen e-mails to this team, I am advised my a Payment team Supervisor named XXXX that they will not return my money and that decision was made XXXX days ago on the XXXX XXXX! 
I asked him to reveal where he found that decision and he said in a letter to me. I asked what letter and he said he will mail it to me. I said " NO WAY! "... you have now done a complete XXXX ' degrees from every CHASE bank person I spoke with- which was at least a dozen different individuals or more. I have screenshot all messages sent. I asked him " was the call being recorded '' and he would not answer me. I asked him 5 times before he answered. It was strange. I replied that I, XXXX XXXX, was taking my complaint and this department to the XXXX Complaints team. 
I hung up, called CHASE to issue a compliant literally 2 minutes later and this agent - repeated the same story. Including the 23 May notification crap. I asked him whether he had received a call from XXXX in Payments and he would not answer. I asked him questions and he completely circled around answering. I asked for the executive complaints department and he said he only has a snail mail address- which is nonsense. I asked him to say that clearly for the recording. 
CHASE has stolen the money I asked to be returned. I explained that I was struggling with money and needed to pay bills that were overdue and I received late fees amounting to {$110.00}. I run the very real risk of power and phone being cut off! Please help me!
Product: Checking or savings account

The first week of XXXX, I dropped off the mail in a mailbox outside the XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX After a couple of weeks, I realized the water company did not receive my payment. I went to the Wells Fargo Bank XXXX XXXX XXXX in XXXX PA to stop payment on the check on XX/XX/2023. On XX/XX/XXXX I got a notification on my telephone for me to verify a check and the amount of {$7100.00}. After viewing this notification, I went straight to the bank to notify them that I did not write this check which was fraudulent. I also reminded them that this check was processed at Wells Fargo as a stop payment on XX/XX/XXXX. A claimed was filed that day and an affidavit form was filled out a few days later. On the Wells Fargo website, it states that claims should be resolved in 10 days or less. However, Wells Fargo branch manager told me the case would be resolved in 90-120 days and there was nothing she can do. I have contacted the claims office numerous times, but they could not tell me anything and it could take up to 4 months. Once I received a copy of the check, I was able to view the front and back of the check which shows the check was altered and the name on the front of the check does not match the signature on the back of the check. It is not acceptable to wait four months for my funds to be returned when Wells Fargo was negligent in processing the check since I stopped the payment processing a month prior to the incident. Also, the teller continued to process the check even though it was clearly altered ; and the payable name does not match the signature on the back of the check. I very upset and can not afford to wait four months for my funds to be returned especially since it is their negligence as to why the check was processed in the first place.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; I filed disputes due to me being a victim of XXXX XXXX and identity theft with Equifax and they are refusing to take my proof of being a victim of XXXX XXXX This is shocking because from the dates of XX/XX/XXXX until XX/XX/XXXX the documentation that I had to submit every time I filed a dispute was considered valid and proved I was victim and now all of sudden Equifax is saying that my documentation proves nothing. They are simply refusing to remove any adverse action that resulted because of me being a victim of both crimes. I have attached proof that they accepted the documentation last on XX/XX/XXXX and I have attached where they are now saying those documents aren't good enough. Which it is absolutely insane that I have to submit XXXX XXXX  documentation every time I file a dispute instead of like with XXXX and XXXX, this information is already on file and they already are able to see I'm victim by pulling up my information. It's sickening that this company is now putting me through this and refusing to remove items my XXXX  used my information to get.
Product: Debt collection

XX/XX/year> I received a phone call from XXXX. The caller claimed they were a debt collector and I owed them money. They asked for my name, but I didnt want to respond until I knew it wasnt a scam. I asked if they were a real human. There are many scams going around where AI calls you and mimics human voices. The caller repeatedly dodged the question. Rather than saying yes or no they said, do I sound like a real person? I said that AI sounds like real people, so are you real? The caller then said Have a nice day. And hung up. 

XX/XX/year> I received a letter in the mail from Capio Partners with a debt. Despite the person on the phone not giving me an opportunity to dispute the debt.
Product: Credit reporting or other personal consumer reports

I first came to USA in XXXX and after receiving my social security card went to DMV to apply for a drivers license. My bag was stolen in DMV along with my social security card and passport. Two months later I left USA. Coming back in 2022 I checked my credit report and noticed several fraudulently opened credit card accounts. All the creditors solved the matter, but XXXX XXXX bank with a charged off credit card with the balance of {$9700.00}. It`s been a year I am sending my supporting documents to XXXX XXXX proving that I was not in US XXXX XXXX and never had any business account either. I attached the email from XXXX stating that the business opened in my name was fraudulent. After providing all this new supporting documents they still deny my case. They also are not able to verify my identity every time I call and they send me to the branch for verification one hundred time. This needs to be solved immediately. Please help my with my concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant XXXX XXXX. XXXX ] ( a ), I request the deletion of the following lists of hard inquiries included as a attachment in this complaint.
Product: Debt collection

, On or about XXXX XXXX. I reached out to Caine & Weiner by telephone at XXXX. I was informed to request to speak to XXXX XXXX. I had already sent in prior letters requesting this company to verify this alleged debt. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When calling the number I was hung up on after I requested XXXX XXXX XXXX to verify the validity of this alleged debt, after calling back and explaining that I do have a right to this dispute. I was informed by XXXX XXXX that she would not speak to me and denying me my rights to any and all access to any information in my file because she thinks I should get a lawyer. If I would like to speak to them go online to company webite and submit a from stating that " I DO NOT HAVE A LAWYER, I WILL NOT SUE AND PAY THEM ''. I did not understand why I would have to do this went I sent in numerous letters requesting to verify this alleged debt and how am I obligated to pay it. However, XXXX and other customer service reps also gave me a hard time.
Product: Debt collection

After filing multiple complaints with this company to prove I owe the alleged debt I have not received any proof. I requested the following that prove the debt. 

The purchase agreement A contract that I signed showing I owe this company money. 

The only thing they sent back was a bunch of statements that do not prove anything in court. I am requesting these documents. If they can not be sent to me then this collections must be removed from all my credit reports. Failure to do so will end with a call to my attorney.
Product: Mortgage

I fell behind my mortgage because Ive had reduction of income, my company has not been giving me bonuses. Im a XXXX XXXX XXXX XXXX  The only income I have is my job. I am currently due for part of XXXX ( I made a {$500.00} ) and XXXX and XXXX since today is XX/XX/XXXX. I was first of all on hold for over an hour and I wanted to pay the difference of one payment to cover XXXX payment of {$820.00}. So I can be only pay due for XXXX and XXXX. The agent refused to take my payment started I had to pay an additional {$1000.00} that I dont have. Im planning to make another payment on Friday to cover XXXX. Ive been working 12 hours a day to make that happened. The agent refused to do so. Im scared of going into foreclosure. I feel because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  being discriminated. Im trying to pay everything I have so a full contractual payment can post towards XXXX instead of now showing that Im due for 3 months. It doesnt make sense.
Product: Debt collection

I reached out to the credit bureaus to contact the collections agencies alleging I owe them a debt and to send me proof of debt with their company. I never recieved verifiable proof showing I owed debt to the company.