23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a public school teacher in XXXX XXXX, South Carolina. I have been a public school teacher since XX/XX/XXXX and would have qualified for total loan cancellation through Public Service Loan Forgiveness in the current month, XX/XX/XXXX, but my progress has been put on hold due to the current injunction against the SAVE plan. To explain, on XX/XX/XXXX, I completed my 120th consecutive month of employment as a public school teacher, but due to a two-month forbearance from XXXX XXXX, this would have put me completing my XXXX payment toward Public Service Loan Forgiveness in XX/XX/XXXX ; that is, before the SAVE plan was blocked.

I became aware that the SAVE plan was blocked due to the injunction in late XX/XX/XXXX ; consequently, on XX/XX/XXXX, I faxed a paper Income-Driven Repayment ( IDR ) application to Mohela to switch to Income-Based Repayment ( IBR ), yet they still have failed to switch me to Income-Based Repayment ( IBR ) 3 months later, as of XX/XX/XXXX. It is my understanding that the Income-Based Repayment ( IBR ) plan was created by Congress, has not been called into question by the current SAVE injunction, and that I would still qualify for Public Service Loan Forgiveness once I make my remaining 2 of 120 payments under Income-Based Repayment ( IBR ). 

I called Mohela on Tuesday XX/XX/XXXX, had to wait an absurdly long time to speak to a representative ( XXXX minutes ), then probably had to wait about XXXX more minutes to speak to a supervisor after I had been told ( erroneously ) that I currently can not switch to Income-Based Repayment ( IBR ) as it is also blocked by the SAVE injunction. I believe this information is false and misleading. I want to be switched to the Income-Based Repayment plan immediately, so that I can resume making 2 further payments in order to achieve total loan cancellation under Public Service Loan Forgiveness .

I have experienced a significant amount of anxiety and distress over this situation, and I do not wish to be further deceived by MOHELA and their dereliction of duty. It should not be this difficult ( and I truly do not believe it is ) to switch me out of the SAVE forbearance and into repayment via the Income-Based Repayment ( IBR ) plan so that I can make 2 further payments and receive Public Service Loan Forgiveness . I do not wish to remain in the SAVE forbearance for months while the courts fight it out and keep me in financial limbo. MOHELA holds {$73000.00} of consolidated federal student loans in my name, and they are absolutely not managing my loans in good faith. In fact, I believe they are purposely misleading me and mismanaging my loans to achieve their own ends. It needs to stop, and they should be compelled to switch me to Income-Based Repayment ( IBR ) immediately, so I can continue making progress toward achieving Public Service Loan Forgiveness .
Product: Checking or savings account

TD Bank is doing a true disservice to me and I am owed a remedy. They drag out the processing of my transactions and make it appear as though my transaction happened a different day then they did. On top of that travesty, they then keep overdrawing my account to collect bank fees. They have my account as being overdrawn when it should not be. Someone at TD Bank doesn't know how to do math. My account Balance should be {$54.00} not negative {$140.00}. Now I demand TD Bank not discriminate against me for reporting their misbehaving and close down my checking or savings accounts. I also demand TD Bank credit my account and make my balance what it should be {$54.00}. I also demand that TD Bank stop dragging out the processing of my transaction, trying to overdraw my account.
Product: Credit card or prepaid card

I contacted Barclays on XX/XX/2017 ( payment due date ), immediately after I got out of work. I tried to make a payment earlier this day online but I had to add a new bank account and was n't able to do it on the mobile app. I was able to add the new bank account online however when I tried to submit the payment I was not able to online because it said it was after XXXX. I called Barclays at XXXX XXXX. XXXX mins after getting out of work. I was greeted by a rude agent. I told him the problems I was having online while trying to submit the payment he was not helpful at all. I felt like I had to drill answers out him whenever I asked questions. I asked if there would be a late fee and he advised me since its after XXXX there would be. I asked if they could waive it as I am literally 17 mins late. He told me because I had been late before they could not. I 'm looking at my payment history and do n't see where I have been late and of course since he was not helpful at all he did not advise when they had previously waived a late payment. Horrible customer service in my opinion and I work in customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying since XX/XX/XXXX to have this particular account on my credit report fixed. it has been investigated 6 times since XX/XX/XXXX and Transunion has not corrected any of the information. I called Transunion on XX/XX/XXXX and they told me they are reporting the information that XXXX XXXX XXXX XXXX is providing to them. they are also missing 2 payment entries for XX/XX/XXXX and it is my right under the FCRA to have a complete payment history. they are refusing to provide a complete account history and also refusing to delete it because it is not complete, which I am entitled to under the FCRA, Section 611 ( a ) ( 1 ) ( A ).  Transunion has also been reporting some incorrect information on this file. 
1. the account number is not correct 2. they are missing payment entries from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 3. the last payment received is the wrong amount 4. the pay status is incorrect, this account has been paid and it does not reflect that through transunions reporting of this account
Product: Credit card

I tried to activate their prepaid card as a part of a settlement, but nothing happened, could not use the card
Product: Debt collection

On XXXX the XXXX, I received the attached letter demanding money. The demand letter was from Revco Solutions , Inc. The demand letter was requesting {$680.00} which is incorrect, and I dispute it in its entirety. 

The demand letter states that it is for an account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After spending the better part of an hour and a half on the phone with the above company, they were unable to find any account with my Name, DOB OR SS #. 

This letter demanding money does not belong to me, it is bogus and is fraudulent because, someone else went to this facility and received service/care in my name. 

In the interest of consumer focus, I am requesting that Revco Solutions , Inc suspend their collection efforts and close their file. Furthermore, per their contractual requirements, I am demanding that they close this account and return it to their client for further review. 

Sincerely, XXXX XXXX
Product: Mortgage

Recently, I received correspondence that I owed money on a XXXX loan that I believed had been modified with my XXXX loan at that time in XXXX. Many years passed with no notification or correspondence whatsoever regarding this XXXX loan. Recently, I received a notice from New Rez LLC that there was a XXXX loan and that the amount was past due. Additionally, the amount had almost tripled in amount. I was horrified. At first, I thought it to be a scam. I then received a notice of default late last year. After several attempts to investigate what had happened, I applied for and was granted a loss mitigation option to pay off that loan. 
Before I had time to accept, the loan was transferred to Shellpoint Mortgage Servicing. I have had a very difficult time communicating with Shellpoint Mortgage Servicing. I was told by them that I needed to apply again for borrowers assistance. On XX/XX/XXXX, I faxed and mailed my application for borrowers assistance. I have called since then on several occasions to find out the status. I have been told that I need to check the on line portal. When I check the on line portal, there is NO mention of the borrowers assistance application ; it's almost as if they never received it. I have called again and again, and have been told that there is a single point of contact by the name of XXXX XXXX assigned to my case, however, there is no direct line for him and every time I leave a message for him on the main line, there is no return to my phone calls or inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent equifax the ftc complaint XXXX XXXX still showing on my credit file XXXX and XXXX have remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed this with XXXX and XXXX explaining this fraud and not my account It was removed now it came back on my credit report. I don't have any bill 's or knowledge of this account it's from Comenity Bank XXXXCompany name Avenue balances amount XXXX. I use to have a Avenue account with Avenue for 10 year 's it close in 2020 balances ending {$450.00}
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX. During the verification call from Santander, the loan servicer, I stated that I did not authorize any add-ons, such as an extended warranty or protection package. However, a few hours later, the loan servicer informed me that a tire and wheel package, costing {$1400.00}, was included in my loan. I neither requested this tire and wheel package, was informed of its inclusion, nor recall seeing any document outlining its terms or warranties. Upon further inspection of the paperwork, I discovered that page 2 out of 5 of the uniform selling contract ( XXXX ) XXXX which itemizes all costs, is missing from my records and seems to have been intentionally omitted. This missing page is critical as it should disclose all costs associated with the purchase. After realizing the issue, I immediately contacted the finance office at XXXX XXXX. I spoke with someone who promised they would call me back by the end of the day, but I never received such a call. I left another voicemail around XXXX XXXX  but have not received a response. I believe the inclusion of this {$1400.00} charge without my knowledge or consent, coupled with the missing page from the contract, indicates deceptive and fraudulent practices by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance {$810.00} ; 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 XX/XX/XXXX ; EXPERIAN 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 XX/XX/XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I called XXXX XXXX XXXX XXXX on XX/XX/2021 at XXXX and informed them that I dispute the validity of this debt because I never applied for these credit cards and never owned them and that someone has stolen my identity. I also mailed a written letter to them on XX/XX/2021. 
Ref # XXXX, XXXX these are the XXXX letters I received in the mail from XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX USD from my Fifth Third Bank account to fraudulent investment firm ( s ).
Product: Debt collection

They stated that I owed {$470.00} for a credit card debt from XXXX. The statue of limitations for credit card debt in California is 4 years. Also when I asked for validation of the debt and purchase agreement for the debt they would not provide it and stated on the phone they did not have it. I also asked for original account paperwork and transactional history and they only have paperwork starting amount owed and company name they don't have transaction history.
Product: Credit card or prepaid card

XXXX XXXX XXXX I was associated with apparently opened an American Express Card account using my information and credit. ThaXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continued to use that account and to make payments on it until the death of my spouse of 49 years, XXXX XXXX XXXX. who passed away on XX/XX/2021. Within months of her passing, I received notice from American Express National bank that I was the named XXXX for the account in question. I informed them that I had never opened or maintained that account, and that it was opened by someone within the named XXXX XXXX without my permission, and that I was not the responsible party. I later learned that my wife had apparently opened the acoount without my permission, and I filed an Identity Theft claim with the FTC. American Express National Bank contends that since the card agreement was mailed to my address and the account was used, that I continue to be the responsible party for payment, now that the XXXX XXXX has closed. I continue to contend that I never agreed to open said account, never knew that I had been named the responsible party, and that I never benefited from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 & XX/XX/2018 I submitted very specific disputes to LexisNexis regarding the public records item below. Their completely unrelated responses are included with this complaint. Additionally, I sent a XXXX late complaint XX/XX/2018 with no meaningful response. LexisNexis is in violation of FCRA regulations and per FCRA are obligated to remove this item from their report : XXXX BKPT CT IL XXXX
Product: Debt collection

I recieived an email from CC IN Holdings ( CCrecoveries ) back in XXXX and never recieved a letter via mail. It was disputed via email and on the day after XXXX, CCrecoveries debited {$800.00} out of my checking account without my permission or authorization. There are no legal matters filed against me and they had no authority from me to take a payment as I never authorized such payment. They should not be allowed to debit accounts without consumer knowledge. I was traveling with my children and could not get gas because they took that amount out unauthorized. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited a third party check that was endorsed to me for payment of a job I did for the person the check was written out to. The next day I get a notice by email stating that my account is restricted to prevent fraud and to contact the fraud department of Chase. I contacted the number I was informed to contact and they said they need to verify with the person the check was issued to that I had permission to deposit the check into my account. I then gave them the number that I have to contact them and they said the number isn't registered as their name in the database they use to verify phone numbers. Come to find out my current phone number doesn't even come up as me in their database. They said that's the only way they can issue me my money and if I can't get them a phone number that is registered as them within 10 days my account will be closed. My tax return got deposited within those 10 days and I was told they would mail a cashiers check with the remaining balance in my account. I finally got the check and it was for {$0.00} when it was supposed to be at least {$1800.00} which was the amount of my tax return. I have been dealing with them for over a week now on the phone for hours a day and even going to the local branch and have not been able to access any of my funds and now I'm about to loose my house. That means my XXXX kids and I will be on the streets and it's all because chase won't issue my money to me. Not even my california state tax refund.
Product: Mortgage

MIDLAND MORTAGE. 
In XX/XX/XXXX my payment went from XXXX to XXXX a total increase of XXXX per month. I have contacted them till I am blue in the face. They just keep explaining the escrow process to which I know. I went on line to look a the escrow info. My escrow did indeed increase but only by {$41.00}. In XX/XX/XXXX I had a huge jump in my payment. Once looking into it, i saw they went and purchased insurance for the house of over {$5000.00}, which is an insane amount for my home. Causing my payment to go from I believe XXXX per month to XXXX. I couldnt afford that. I found my own insurance with the exact same coverage for {$1600.00}, bringing my new monthly payment down to {$1300.00}. What they have done is taken they highest amount of {$1500.00} to which I only paid that amount for about 4 month 's until my new coverage. And added the XXXX to that causing me to now have to come up with {$1500.00}. The new amount should have been calculated off my payment of XXXX having a new total of {$1300.00} not XXXX. I have had to rent a room out because this is just too much. This has been going on since XXXX to which no-one has corrected.
Product: Debt collection

I received a letter from Harris & Harris. The letter appears to suggest that the organization is a law firm. In response, I contacted Harris & Harris. Their representative attempted to suggest that the organization was a law firm. However, when I asked who their managing partner was they had no idea what I was speaking about. 

I believe this company is a front and that the organization is not a law firm but simply a third party collection agency that attempts to coerce payment by suggesting the individual has been referred to a law firm. 

Further, I checked and Harris & Harris is not licensed to practice law in my state. 

This is both in violation of the FDCPA as well as state consumer protection laws operated by statute here in the state of Kansas. 

While my particular account has a dispute involved I think this is perhaps the most illegal thing any collection can do because it is outright coercive and deceptive.
Product: Debt collection

North eastern Recovery Services is a Debt Collector they are saying that I owe money from A creditor That is not True They keep calling my Job & Harassing me The person who keeps calling me from XXXX XXXX their phone number XXXX they do owe me money please investigate these scammers thank you for your help
Product: Debt collection

XXXX XXXX XXXX Driveway Financial Subject : Dispute of Alleged Debt To whom it may concern, I am writing to formally dispute the claim that I owe Driveway Financial due to an alleged fraudulent auto loan contract. I believe this debt is inaccurate and wish to resolve this matter promptly.

Despite my numerous attempts to address this issue and clarify my position, I have not received any meaningful response from your company. This lack of communication has made it increasingly difficult for me to rectify this alleged debt. 

As per my understanding, the alleged debt is a result of a fraudulent contract, which I have not entered into knowingly or willingly. I request an immediate investigation into this matter and the removal of any claims against me regarding this debt. I believe your company has breached our agreement by failing to respond and address my concerns. 

Please provide me with documentation that substantiates this alleged debt, including any relevant contracts or correspondence. Until this matter is resolved, I expect that any collection activities related to this claim cease immediately. 

I look forward to your prompt attention to this matter and a resolution at your earliest convenience. 

P.S. Ive even contacted the CFO of driveway in order to remedy this alleged debt. No response Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership and they stole my information. I do not authorize this companies to pull out my credit report. All this HARD inquiries are fraudulent : 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached copies of my report as it pertains to this complaint on the following dates : XX/XX/XXXX & XX/XX/XXXX. I'm now requesting you investigate and provide verifiable proof with records showing that I had l late payments. If this information can not be verified, I demand that these payments be updated to " paid '' on time immediately. 
Thank you for your understanding and prompt action.
Product: Mortgage

I submitted on XXXX/XXXX/2015 a request for a refund of a late fee that was charged due to NationStar changing my name on the account which cause my authorized automatic debit from my bank account to reject causing my mortgage payment to be late. I have spoken numerous times to the customer service and have spoken to their Customer Relations department asking for a letter confirming refunding the late fee which should be refunded and applied to my principal payment since I paid the late fee after receiving additional interest fee on my statement. On XXXX XXXX, I received a phone call asking that I return their call and I have repeatedly called and this person by the name of XXXX will not return my call after leaving my cell phone number. To date I have not received any correspondence acknowledging this error has been corrected.