23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have requested forgiveness under the Public Service Loan Forgiveness waiver. For six years I worked for the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I provided my XXXX form that verifies my employment for those years and it has been denied as evidence of my work as a civilian. This is the official form the Department of Defense uses to document federal service. 

The Fed Loan Servicing said they require the PSLF form to be signed. The XXXX XXXX XXXX XXXXXXXX XXXX who should sign this verification does not have a way for former XXXX civilians to contact them ( your account is discontinued when you separate from civil service and there is no phone number or email to contact ). 

The human resources at the office I worked for provided a letter to verify employment but FedLoan Servicing will not accept that. They did say they would accept signature from my former direct supervisor but he is dead. 

The other thing they said they would accept is W2s, but I am missing my W2 for 2009 and the IRS will not provide a tax transcript for that long ago. 

In addition, the rejection of my application sited the wrong reason for rejection. If I had not called and asked, I would have provided the wrong information and not addressed the actual reason for the rejection of my application. 

In addition the FedLoan Servicing said they requested that my loans be transferred from my current loan servicer, XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX claims they have not received the request and claims they have no way to verify. So the two servicers are providing contradictory information and will not talk to each other.
Product: Debt collection

Please reference previous complaint XXXX. XXXX advised CFPB that itemized bills would be supplied to me, but they were never sent or received. We have been making automatic payments. I advised XXXX that they were not to contact my husband 's phone number XXXX on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I contacted XXXX in order to obtain the remaining balance and to find out if a settlement offer was available. I contacted them from my phone number XXXX and provided that same number as the call-back contact number. I did not provide any other number for follow up communication. Therefore, the " do not call '' order for XXXX was not lifted. 

Unsuccessful attempts to speak with XXXX representative XXXX XXXX happened on XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, and XXXX/XXXX/XXXX at XXXX. I received missed call with messages at XXXX on XXXX/XXXX/XXXX at XXXX which I did not return that same day. Received a missed call but no message on XXXX/XXXX/XXXX at XXXX. 

Also at XXXX on XXXX/XXXX/XXXX XXXX representative contacted phone number XXXX and left a debt collector message. This number does not have permission to be contacted and is still on the " do not call '' list for their company for my debt and this matter. This is the matter for which they have violated CFPB and FDCPA do not call regulations for debt collectors. 

On XXXX/XXXX/XXXX at XXXX I returned their call from XXXX and left a message to call me back at XXXX. 

On XXXX/XXXX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX me at XXXX, and we were able to speak. I asked what the procedures were to obtain a settlement, to which she advised that I just needed to make an offer and she would discuss it with the creditors and let me know. I advised her that I would need to discuss this with my husband and would follow up with her. 

On XXXX/XXXX/XXXX at XXXX am, my husband called XXXX XXXX from XXXX from his phone number XXXX and spoke with her. She said that she had already talked to me and then proceeded to request final payment from him. He is not named on this debt. This is the second violation that I am filing as she is discussing and providing debt information to a relative without my written or verbal authorization. During that discussion, my husband did say that he would offer {$1500.00} to settle the debt which is currently {$2300.00}, which total was given to my husband over the phone. She immediately advised him that this would not be an acceptable offer and she countered with {$1800.00}, which my husband refused. 

I have yet to be given the opportunity to review the full accounting of the debt they are collecting. I fully admit that there might be some funds due for medical bills that I did not pay, or for which insurance was not correctly filed. I have been denied my rights in disputing this debt due to the fact that we have at no time been provided with an opportunity to view all of the charges.
Product: Credit reporting or other personal consumer reports

I am writing to express my urgent concern regarding the presence of fraudulent items on my account and to demand their immediate removal. As a victim of fraudulent activity, I expect your company to take swift and decisive action to rectify this situation and protect my financial well-being. 

Upon reviewing my account statement, I discovered several unauthorized transactions and charges that I did not initiate. These fraudulent items not only compromise my financial security but also erode my trust in your company 's ability to safeguard its customers ' accounts. 

I demand that these fraudulent items be promptly removed from my account without further delay. It is imperative that your company takes proactive measures to investigate these unauthorized transactions and prevent any further unauthorized activity from occurring. 

Furthermore, I request transparent communication throughout the process of resolving this issue, including regular updates on the progress of the investigation and the steps being taken to address the fraudulent activity. 

I also expect to be compensated for any financial losses or damages incurred as a result of this fraudulent activity, as well as for the inconvenience and stress caused by having to deal with this situation. 

I urge you to prioritize this matter and provide a swift resolution to ensure the protection of my account and restore my confidence in your company 's ability to uphold its responsibilities to its customers. I am asking for your assisstance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 used a promissory note instead of cash to secure the purchase of a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX. After that, Bridge Crest bought my data from XXXX, which was viewed as an asset belonging to me as a customer and real person. My promissory note, which said that the bank was obligated to return the asset to me even if I haven't received it, was worthless. The contract the bank bought was a retail installment " credit sale '' deal ; in actuality, it was not an auto loan, despite the bank 's claims to the contrary. However, banks are only permitted to borrow money in accordance with 12 USC 1431. The bank collected on an alleged debt by using false and deceptive promises, allegedly in violation of the fair debt collections practices act, the truth in lending act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX RE : Consumer ID # XXXX Ref # XXXX Dear XXXX XXXX XXXX : I have received your recent response to my initial inquiry and request for verification of Account Abuse/unpaid ( {$150.00} ) from Bank Of America XXXX Be advised that your response is inadequate for the purposes of valid verification. You have failed to provide any documentation to corroborate the claim that I have Account Abuse from Bank Of America. 
Therefore, I am resubmitting my request to include the following specifics that I require from you : Copies of signed documents provided by Bank of America. These documents should bear my signature and clearly state that I have a legally binding and contractual obligation to pay them. 
The full names, addresses, and direct telephone numbers for each of the individuals at Bank Of America that you contacted in the course of your investigation Please also be advised that a verbal confirmation from Bank Of America does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( XXXX ) business days, I will take further steps to preserve my rights. 
Please be aware that I am maintaining an ongoing documented record of my communications with you for the purpose of filing a complaint with the FTC and the state of [ XXXX ] Attorney XXXX office, if the matter is not satisfactorily resolved. 
If you are unable to furnish the validation specifics listed above, and the Account Abuse/unpaid ( {$150.00} ) is not removed from my XXXX XXXX XXXX file, I will pursue legal remedies to the fullest extent of the law, including exerting my rights underneath the Fair Credit Reporting Act to sue for damages. 
To facilitate the swift correction of this matter, my contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

Dell decided to switch to Comenity ( XX/XX/2023 ) to now service their financing. It has been an absolute mess of a transition. My account was " transitioned '' to Comenity, but the only way you can setup your so called new account is by having an account number to a system that never existed prior. They apparently mail you your account number... well I never got anything and they state they won't give you your account number over the phone, so I have XXXX access to my account. I see this practice as entirely predatory to switch servicers and make it extremely difficult to then make a payment, especially when you had your payments on autopay before. Now my account is delinquent, I have no way to make a payment, and they continue to charge late fees. I can rightly assume that they've made a fortune in late fees already from people who can't figure out this convoluted and frankly extremely disruptive process to an existing store card account. This is not only been inconvenient, but has cost me money and valuable time when this could've been done exponentially better. I now have to wait again to receive an account number in the mail ( this is 2023, how is this even still allowed ), since they don't even put the account number on the statements. yes thats right, you can't even get the account number on your statement so you just see your balance accrue and have nothing you can do about it because they won't give you your account number over the phone ....
Product: Checking or savings account

I am a resident of XXXX XXXX. I sent Letters to Capital One Bank informing them of the change of address to my current XXXX XXXX address. These letters were sent on XX/XX/XXXX and on XXXX.I did not receive a reply to either letter. 
. 
I received an undated letter from Capital One Bank in XXXX asking me to close my accounts. Since XX/XX/XXXX I have made numerous calls to close my accounts and to arrange to receive the money. from the accounts. Here is a summary of the calls I have made since XX/XX/XXXX. All the calls were made to this number XXXX XXXX Tuesday XX/XX/XXXX Called to arrange to close account and for check to be sent to my XXXX XXXX address. Provided the address after having my identity confirmed. Bank agreed to send a check to this address. 

Wednesday XX/XX/XXXX Called to explain that check had not arrived. I was now told that the bank could not send the check to an overseas address and needed a US address. Bank admitted it had not contacted me to notify me of this. I was told the account was blocked but not closed. 

Wednesday XXXX XXXX Called to give them a US address after they had checked my identity so they could close the account and send me a check for the money in my accounts. 

Saturday XXXX XXXX Called to ask if the account had been closed and the check sent. Bank confirmed the account was closed on XXXX XXXX and advised the check should reach the US address I gave them by XXXX XXXX. 

Monday XXXX XXXX Called bank to say the check had not reached the address I gave them. I was then told that the address should not have included my name and the address of the institution in the address. This was not explained to me before. I was now told that the check would have to be cancelled and I would have to complete an affidavit form before a new check could be sent. I provided a new US address for this form to be sent to and was told it would take 2-3 days to arrive. 

Wednesday XXXX XXXX Called again today to explain that no letter had arrived at the address I had provided. No explanation given. After being passed from one person to another I was finally told that the only way they could confirm my identity was if I went into a Capital One branch. 

I spoke to a different person each time. I kept a record of one call relating to the sending a check for the proceeds of my accounts to the first US address I gave. I asked for the name of the person I was speaking to and the reference number for the call - XXXX XXXX. 

I have attached XXXX XXXX with the letters I mailed to the bank and the summary of my phone calls.
Product: Credit reporting or other personal consumer reports

I am submitting this written request for an investigation into specific items that I believe have been inaccurately reported. These items contain errors that are causing me both financial and emotional distress due to their adverse impact. The following items should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items should be removed from my credit file ASAP. The items listed are entirely erroneous and require correction. I am aware that, in accordance with the law, you are obligated to conduct an investigation within a thirty-day period. I eagerly anticipate your response. Take note that I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Checking or savings account

I called the XXXX customer service number for Truist on XX/XX/XXXX to report fraudulent activity on my account that overdrew my account. I was on hold for over an hour, and the woman who I spoke with told me I couldn't do anything until the transactions posted and would order my husband a new debit card. I asked what I was supposed to do until we got paid again, and I got told " this happens sometimes. '' I asked the woman why the bank wouldn't flag something so out of the ordinary and she didn't have an answer. She told me that my husband could go and pick up a temporary debit card at a branch. Monday XX/XX/XXXX, my husband goes into a branch to get a temporary card, and they told him he could not get a card because our account was overdrawn, which is the opposite of what the XXXX customer service person told me. I called the XXXX customer service number back to see again why nothing can be done about this. My husband is a XXXX XXXX, and he can not have no access to our money. The last time I had fraud activity on my account a few years ago, my bank flagged it immediately, gave us our money back and launched an investigation with no problems, so I'm confused as to why we have to wait for something to post. Our account is still overdrawn. I asked to speak to a supervisor multiple times and kept getting transferred to other customer service people instead. Multiple times, the phone would unhold and I listened to the customer service people discuss my complaint, which is ridiculous and bad customer service. To be told constantly that there's nothing I can do but wait is also ridiculous.
Product: Consumer Loan

I have filed a previous complaint # XXXX. I was instructed to take the vehicle to XXXX for a diagnostic which I did. More problems were discovered, such as the ball joints and all the rust and MOLD on the inside of the vehicle which proves our claim it has been under water or water filled up the inside of the vehicle. The steel inside of the seats are COMPLETELY rusted!!!! I am being told that now they ( Drivetime ) are waiting on estimates to repair this. I told them I am not paying for anymore repairs ESPECIALLY when it confirms that this vehicle has been in water and is damaged which confirms why there have been so many repairs within the year! I had to pay for the diagnosis which I do not think is fair because they made me take it to them. I WANT MY MONEY BACK THAT I PAID IN MY DOWN PAYMENT, PAYMENTS, AND REPAIR COSTS!!!! I DO NOT WANT ANOTHER VEHICLE FROM THEM BECAUSE THEY DO NOT CONDUCT HONEST BUSINESS! They are continuing to give me the run around. And XXXX XXXX told me that Drivetime instructed them to send them a cost for repair but the advised them they do not repair interior. So they then ask for outside estimates. Why would we want a vehicle that has interior water damage???? That proves its been in water, we do not want this lemon!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for a new loan with a better interest rate. While navigating on line, XXXX XXXX assured me there would be NO HARD inquiry on my credit files. Everything they advertised on line was completely misleading. Specifically, it stated it would so SOFT inquiries only. Somewhere in the process, I started receiving credit alerts that my files had been accessed and now I am stuck for another YEAR with a hard inquiry on my credit files. I want it removed! I called XXXX XXXX while in their system when I received the alerts about what happened. They stopped the on line application that I had no idea I was filling in. I am not too afraid to shop around. 
I have called this place at least 5 times to argue, but to no avail. They should have a class action suit brought against them for false and misleading statements on line.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I disputed information to be removed from my account the credit bureau allowed navient to add the same account multiple times. I have 4 navient accounts but my credit report shows 16 navient accounts. I have called multiple times to get the information corrected by the credit bureau XXXX  but they have refused to help fix the problem. In fact every time I call for help another account appears. I thought the credit bureau was there to protect me. This information has kept me from being able secure funding for my childs education and a business loan to take care of my family.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX {$5200.00} XX/XX/XXXX
Product: Debt collection

this is in regard to account XXXX. I reviewed my credit report and noticed that there was a new collection account from this company that appeared. I immediately sent them a letter for validation of this debt on XX/XX/2022. I received their response and they sent me a copy of statements which is NOT validation. I sent another letter out dated XX/XX/2022 asking for specific information to validate the debt which includes a copy of the contract bearing my signature. I received their response after that which included another copy of statements. In my letter I specifically stated " If you can't provide these items, you must terminate this collection action and correct any erroneous reports of this debt as mine. '' I filed a XXXX complaint which XXXX received on XX/XX/2022 and they stated that sent me copies of the billing statement from XXXX XXXX as validation of the debt. This is NOT considered validation of the debt as anybody can print out some statements and mail them to me. Since this company is unable to properly validate this debt I am demanding deletion of this debt from my credit report.
Product: Credit reporting

XXXX debt was paid in full and is closed. XXXX collection agency has reported to Equifax many times this account is NOT a charge off. I have filed over XXXX online disputes on this debt and me made several phone calls to Equifax to have this resolved. I even signed up for their paid credit monitoring service and during the time of my service my credit score has decreased. They continue to attempt to sell me other credit products and also continue to report false/inaccurate information.
Product: Credit card or prepaid card

On approximately XX/XX/2018, I received a pre-approval letter for a XXXX credit card from chase. I filled out the information online. I entered an invitation code included on this letter. I submitted the application and was told that chase needed to get more information on my application. Today, XX/XX/2018, I received a letter from chase informing me that my application was declined for the following reasons : Your credit report reflects charge-offs or bad debt. 
Credit report shows delinquency or public record. 
Charge of history on one or more credit cards Average age of account is too short. 

1. No charge-offs are present on any of my credit files. 
2. No delinquencies or public records are present on my credit files. 
3. Again, no charge-offs are present on my credit files. 
4. My credit reports all show a 12 year credit history. How exactly is that too short? 

I have had a checking account with chase in good standing for the past two years. Each month without fail, chase removes {$12.00} from my account, yet provides me no service. It is hard to deal with a bank which refuses to assist me in any way.
Product: Mortgage

We have submitted our QWR to the lender 2 times and again on XX/XX/2017 - the lender has not responded to our inquiry and are proceeding with a SD of XX/XX/2017 - the lender is in violation of our right to the requested information to assist our client property.