23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To Whom It May Concern, I am contacting you for guidance, help, and/or assistance concerning the XXXX XXXX XXXX XXXX ( PSLF ) program. My wife and I are both XXXX and have diligently been making our student loan payments on time and in full since the beginning of our repayments. 

My focus is my wife, XXXX, because she has been making on-time, full payments for almost 15 years, while XXXX into her XXXX year. AS you will see in the attached letter from Fedloan Servicing, XXXX was certified in XXXX for her employment with XXXX XXXX XXXX that began in XXXX. Because she loves this job so much, it is the only XXXX position that she has held in this low income district. 

The reason as to why I am contacting you is because we recently learned that she will not be eligible for XXXX because she was placed under the incorrect payment plan. As you can see from the attached letter, it appears that she qualifies for XXXX. She was actually under a plan where we paid more per month! IF we were aware of this, we would ensure that we were under the correct plan, especially if we could pay less per month. 

We feel the letter certifying her employment is deceiving, giving us the impression that we are on track for XXXX. XXXX and I both have master 's degrees and are both highly educated, however we did not catch the costly mistake that not only affects us, but our children. Why would we choose not to be under a qualifying plan? Why would be make on-time, full payments for years under the incorrect plan? 

We not mind paying our fair share but feel like there should be some kind of solution to a situation like ours instead of starting at the beginning. We feel like we are being punished for doing all the right steps. It is documented that XXXX and I have been making on-time payments in full for over XXXX years. Tax and student loan records can prove this. 

My question to you is, what do we do from here? There has to be a solution to our situation because we can not be the only educators in this position where we thought we were doing what was right but were mislead. I have many other documents that I can scan, copy, and upload if needed. 

Thank you in advance for your help- XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX
Product: Mortgage

Hi : Incorrect payments, Misleading Payment settlement, Refusal to send Payoff I was sent a notice that my payment obligation is transferred but this provider and their system is not prepared at all to handle this transfer and servicing. 
I continuously observe lapses in all the tasks. 
1. Loancare did not credit the money properly after transfer. I had to followup to ensure the money and i was informed then that they a new account number which they did not inform, marking as delayed payment 2. Loancare unauthorized escrow payments disbursal, multiple times for the same service. This resulted in huge inconvenience to followup for cheque reversal.

3. Payment disbursements were effected in duplicate and 6 weeks before due date 4. Following this, I had sent at least 20 emails and 15 telephonic calls and I was not able to reach the customer service. With those who i managed to talk, do transfer me to the right contact who never will pick up the phone. My issue is still unresolved and time is now 6 weeks past 5. I accidentally learned that my last payment is placed under suspense account, triggering interest payments with no information. I hear that they are charging me interest of {$100.00} for the money that was not received, but placed in the suspense account. Repeated calls to customer service were not received nor call back. 
6. I have submitted multiple request for pay-off statement and they did not perform. They say 24 hours but it has already passed 4 days with no attention. 

Such consistent failure has fueled doubts in their capability and strongly suspect of their integrity in delivering accurate amount without fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've previously addressed this matter via CFPB and Equifax reported that it is not displaying on my credit report but the account still remains. See attached. 

Company 's Response Dear XXXX XXXX, we received the complaint you submitted through the CFPB Portal. Equifax has reviewed the complaint and its records. After further review, the disputed XXXX XXXX account is currently not reporting on the Equifax Credit report. If you have any additional questions or concerns regarding your Equifax credit file, you may visit us at www.equifax.com or call us at the toll free number provided on your credit report.
Product: Payday loan, title loan, personal loan, or advance loan

Charged XXXX dollars for paying early the company gave no instructions on how to pay early or to turn off autopay. It seems like a violation of XXXX XXXX XXXX  false and misleading statements. The company will not waive the fee and I could not get the website to stop autopay. It seems like unscrupulous business practices
Product: Vehicle loan or lease

Today, XX/XX/XXXX, around XXXX XXXX XXXX XXXX, I received a call from Chase Auto Finance regarding my loan for a XXXX XXXXXXXX XXXX. They informed me that the payment was currently XXXX  days late and inquired about when I intended to make a payment. I mentioned aiming for around the XXXX or later. The agent then warned me that if the payment wasn't made by XX/XX/XXXX or earlier, I would be considered XXXX months late. Seeking clarification on the current number of days late, I was informed it was XXXX  days as of XX/XX/XXXX. When I questioned how making a payment after the XXXX would result in being XXXX  days late, the agent corrected that it would be XXXX  days late, not XXXX. I found the use of " XXXX months late '' misleading and inaccurate, more of a tactic than deceptive. I would like a debt validation letter and the agent to undergo training.
Product: Credit reporting or other personal consumer reports

This is completely inaccurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I solicited XXXX XXXX and thought I was soliciting Debt Management non-profit. Not for profit. I have 9 accounts that they said they negotiated. When Credit Counseling pulled my credit they said that it appeared that all the creditors that XXXX XXXX said they paid. The accounts were sold and charged off. I'm paying {$840.00} dollars a month to XXXX XXXX and they are not willing to provide proof of payment to to creditors that they said they paid for me at a reduced negotiated amount. XXXX XXXX told me if I wanted payment information that I would have to call the creditors and ask them what they were paid and provide the proof. I'm paying {$16000.00} in fees to XXXX XXXX and Freedom Debit relief. No assistance. Then two creditors sent a tax forms to add to my taxes as income. I could have just stop paying the creditors and received a " Charge Off ''. I made a good faith effort and to pay based on my income and was taken advantaged of by XXXX XXXX and Freedom Debit relief. Beware this is loan scandal high interest rates. So called negotiations from 30 % to 50 % per creditor. For {$28000.00} dollars I will be paying {$44000.00}. i ; m also in the UNION and didn't get my UNION Discount. Fraud.
Product: Debt collection

XX/XX/2019 Transworld Systems INC XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX RE : VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company {$430.00} This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX current on payments XXXX XX/XX/XXXX current on payments XX/XX/XXXX no data XXXX XXXX XXXX XX/XX/XXXX current on payments XX/XX/XXXX 30 days past due XX/XX/XXXX 60 days past due XX/XX/XXXX 90 days past due XX/XX/XXXX 60 days past due I am missing data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2 late payments were previously removed per dispute. All should have been removed per natural disaster and covid 19
Product: Debt collection

My wife and I talked to the company on the phone. I asked to be sent the breakdown/proof of debt. I was sent a bill with no itemization just saying that I owe {$320.00}. I disputed this with the previous company and they then sold it to this company because it is not owed. I had state insurance in Washington at the time of this bill which the previous company told me was the case. Unless the hospital gives me something to sign acknowledging my insurance would not pay for a service I can not be charged. The hospital had to accept payment from the state as payment in full. I tried to tell this to the rep over the phone and they said they didn't know anything about this debt except the amount. This is a wrongful debt, they can not provide me with itemization. This needs to be closed completely, not reported and not sold to another agency for me to continue to dispute.
Product: Checking or savings account

I deposited a XXXX dollar check on the XXXX of XXXX the check can from A XXXX dealer. They returned my direct deposit because they ended my contract for the vehicle I thought it was a great idea to deposit the check with my bank. Well by doing that they flagged my account and within 5 days closed my account heres where it gets good they process my check then closed my account leaving me with no access to my funds. Which I need for my rent for my child support for my credit cards that are past due. I work for a delivery service provider and with that money I was going to buy a vehicle now that they are holding my money XXXX my whole life is falling apart I dont make money if I dont drive which I dont have a car I will be homeless by the time this letter reaches you. The check wasnt a bad check they cashed it and closed my account but had my account on feeeze because of the check but cleared the check then closed my account and stated they well send me my funds 60 days after account is closed. So it wasnt a bad check but they figured well close his account and hold his funds sounds like fraudulent activity from the bank.
Product: Prepaid card

XX/XX/XXXX PURCHASE XXXX - Cleared - {$20.00} ) This payment occurred even after I canceled my card 2 days earlier XX/XX/XXXX PURCHASE XXXX XXXX XXXX XXXX XXXX / XXXX, XXXX XXXX Cleared - {$37.00} ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX / XXXX, XXXX - Cleared XXXX {$43.00} ) This prepaid card I dont see how they are still in business Even after canceling my card there has still been fraudulent charges to my account I have no idea who is Ive never given my card number out ever so Im just mind boggled how is someone using my card account there now have been 3 unknown charges on my card I have no idea how I canceled the card on the XX/XX/XXXX amd there still was another transaction on my card from a atm and the company Conduent Corporation in the United States and/or other countries. Conduent is the payment solutions provider for Go Program. that provides unemployment benefits for my state and they are just terrible theres been many complaints about how people have been screwed out of their money and they have it to where you cant get thru to no support specialist because I promptly had cancelled my card when I found out there were fraudulent charges so I tried to call into customer service and there is absolutely no way you can get to no customer service all it says is your card is scheduled to arrive in 5 business days then instantly hangs up
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance {$19000.00} Late 30 days XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 XXXX XXXX Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

LexisNexis responded that the bankruptcy information was verified by using my address and last four digits of my social security number. I maintain I did not file bankruptcy and LexisNexis does not have permission to use my private information for their companys benefit. I have a right to privacy and the right to direct what information is released about me. I will not allow LexisNexis to make profits from my personal information while also causing me damages. You are governed under FCRA and other consumer protections laws put in place to protect me. I will give LexisNexis 14 days from the date of this notice to remove the bankruptcy records or legal action will pursue for damages that you are knowingly and willingly committing.
Product: Debt collection

I have no idea whos the original creditor, they haven't even had the decency to tell me the origin of the debt. This just popped up on my credit. I have no debt of {$490.00}. 
I really need your help. 
theres a lot of crooked stuff happening with peoples credits and its not fair. its a trickle down effect because it takes away our buying power therefore setting the economy back.
Product: Debt collection

XXXX XXXX keeps trying to call me multiple times a day and has called my landlord, Friends and family in attempt to reach me. 

This is harassment and needs to stop. I Do not have a NAVIENT loan! this was settled already. i filled a police report about this back in XXXX. 

Im currently in talks about suing Navient for an attempt of debt collection on a debt i dont have
Product: Credit reporting or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act Equifax, XXXX and XXXX, XXXX XXXX XXXX XXXX account XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act, and please Don't respond with validated because I'm not asking for anything to be validated or verified.
Product: Debt collection

I am writing to formally dispute and request corrections to the inaccurate information on my credit report. Upon reviewing my credit report, I have identified an error regarding the account with the following details : UNITED WHOLESALE MOR XXXX Date Opened : XX/XX/2023 Balance : {$710000.00}. I am bringing to your attention that the payment for this account was made on time. However, it appears that the late payment marking is inaccurate and does not reflect my actual payment history.
Product: Mortgage

On XX/XX/XXXX I signed documents for a mortgage with Chase Bank and after months of not hearing from my agent, I began trying to contact the loan officer, the Chase Bank website, phone calls, and texting. I asked to speak with a supervisor. Previously I had submitted an application in XXXX, but was told the amount that I had qualify for, it was not enough money for a home loan in the range that I needed. The agent finally contact me and said that I would have to go through the process all over again because my application had expired. I then made several attempts to contact a supervisor. When I reached the supervisor I told him that I had my credit report ran twice before and this would be the third time. I asked him if he could remove 1 or more of the inquires so that my credit could be ran again and he could not make that decision he would have to forward my file to another department and they would call me which they did not.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  :
Product: Bank account or service

In early XXXX, i applied and was approved for a credit card by wells Fargo bank in order to build/ establish credit but in XXXX XXXX I informed the bank that my card was missing and informed me that it will be cancelled. In XXXX i noticed a cash advance of {$350.00} in my statement and i proceeded to call the bank. I was told that it was a transaction that happened in XXXX. I live XXXX hours away in XXXX XXXX Virginia. Since it was clearly a fraudulent transaction, i filled a claim with them and was assured that all will be well. While reviewing my credit report in XXXX, i saw a derogatory comment from wells Fargo stating that I was 3 months in arrears. I proceeded to have a notarized statement sent to them in XXXX XXXX defending myself. I also noticed that they had linked my CC to my checking account without my consent. My numerous attempts to have this solved have been in vain
Product: Credit reporting, credit repair services, or other personal consumer reports

Received response to my CFPB complaint against XXXX XXXX XXXX about account reported on credit files. XXXX investigated and determined the account is not mine and is fraudulent. 

Follow up to Complaint against Equifax CFPB # XXXX
Product: Checking or savings account

Follow-up on Case #  XXXX  On  XXXX   XXXX ,   XXXX   at  XXXX , I received a call from Chase introducing herself as  XXXX   XXXX   from the   executive de partment. The number that registered on my phone was  XXXX . I was suspicious of that call because of the questions she asked me and she concluded right away that my accounts were closed and she said that since I sent my complaint to CFPB, if I remember it right she mentioned that I should be receiving from CFPB a letter confirming what she told me that my accounts were closed. I have doubts about her because since my whistle blowing, in my experience I have encountered several people posing as someone who is authorize to give information, as if the calls were legitimate. Yesterday,  XXXX   XXXX , she called me again to ask the address of the branch that I have complaint about when last  XXXX   XXXX  she insinuated that my case was closed. This time the number did not register on my phone. When I asked if that was how the bank would handle a complaint, I did not get a satisfactory answer. The complaint I prese nted was more about closing an account. I also received a letter from Chase Executive de partment acknowledging that they have received my complaint but the letter was not signed. When I was typing the complaint last  XXXX   XXXX , I noticed that there was a notification that someone was editing what I was typing. When I printed the complaint, it showed that I did not address my complaint to the bank. I did. I have gone to the bank to ask for the release of my settlement a lot of times.  Maybe ten  times. If the settlement was released to me, I would not have mentioned other grievances with the bank. I am filing this complaint because I am suspecting that this network is again intercepting any communications to me about this complaint.
Product: Debt collection

Choice recovery inc - I have no knowledge of this account and this company is trying to damage my credit report.
Product: Credit reporting or other personal consumer reports

I have called Vystar since XXXX for an update on my account. I was finally told the account had a XXXX owed after i was told for three months of it reporting as missed payments with a XXXX balance on all three agencies. I went to the branch and paid the single XXXX and it is still reporting as a missed payment with a XXXX balance on all thre agencies. This has taken my score down gerastically
Product: Money transfer, virtual currency, or money service

Venmo allowed me to receive {$100.00} from my friend XX/XX/XXXX at XXXX then immediately locked my account and made it impossible to transfer. They send me the same pre written message detailing how to transfer the funds and it doesn't work. I've gone back and forth with Venmo for now 6 months from the same email I've listed, XXXX. A quick XXXX search showed they've been doing this scam to hundreds of people and that this is the only way they actually release the funds. Then they'll ask you to remove the complaint so they can continue doing it to others. I want access to my {$100.00} and I'll never use Venmo or Paypal again. Thank you
Product: Debt collection

XXXX report response indicated it is not collection company but is listed on credit report as : Helvey and Associates ( for XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IN XXXX Call number XXXX If this is not a collection can this please be removed from credit file.