23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Received a Federal loan, Sallie Mae serviced in XXXX, for a XXXX Degree Program in XXXX XXXX XXXX. I am proud that I have finished my program and started paying my loans back, mostly through Sallie Mae. I Applied for loan during my education and have made every payment, every month, no late payments for 13 + years. I worked with a non- profit company XXXX XXXX and medical group in New Mexico for 10+ years duration. I called to apply for loan forgiveness, Servicing Company is Navient, the ( debunked Sallie Mae ). I get the run around, they want me to refinance my federally insured loan and state that I am not eligible for loan forgiveness? Thousands of us have gone to school, taking out federally loans and have paid and complied with requirements for loan forgiveness. We serve our communities and people. Shouldn't we get our deserved loan repayment? XXXX, XXXX providers are each day being held hostage to these loan servers. Please help us.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are not verifying the information on my credit report. this inaccurate information has destroyed my ability to borrow money. under the law of 15 U.S.C. 1681. Fair Credit Reporting Act status. and 15 U.S. Code 6802 ( 1 ) opt-out ( a, b, c ) Obligations with respect to disclosures of personal information. after carefully reviewing my Credit Report on XX/XX/2023. due to these laws, my rights have been violated. under the laws stated in this message, I would like my credit report whip of all violations and derogatory accounts. It is safe to take legal action. if this matter is not resolved in approximately 30-45 days from this date XX/XX/2023.
Product: Student loan

Have received letter announcing garnishment to my wages dated  XXXX   XXXX   XXXX  from  US Dept of Ed. bu t have not received any other communication concerning a garnishment prior and now an in an active garnishment. Varying student loan collections organizations have taken my income tax return since  XXXX . I only borrowed {$5000.00} total and have more than paid that off with them taking my income tax return, now they are going to garnish my wages. They say I owe {$5200.00} STILL. I contacted the company after I received the letter on  XXXX   XXXX   XXXX  to attempt to make payment and they would only allow a {$550.00} payment! which is waaaaay to much to pay monthly, might as well let them garnish me if that 's the case. I asked to lower the payment, they would not. My credit will be damaged by an active garnishment and I am seeking some sort of assistance, hopefully your organization can help.
Product: Bank account or service

I was called by a USAA Bank XXXX, during the discussion the lady made the statement that we checked the taping of my phone discussion, I was surprised, I was not told that they were taping me, I feel my constitutional rights have been violated, plus is there not a federal law against WIRE TAPS with out a judges approval???? + also not informing me that I 'm being TAPED???
Product: Debt collection

Hello this company has called me over 25 times in one day. I asked the represensative to place me on the do not call list and she said she was not going to I asked her to call her manager she refused and hung up the representative has continue to harass me over and over calling every 2 to 3 min after each other
Product: Checking or savings account

My laptop was hacked on XXXX Key Bank XXXX XXXX from XXXX & XXXX XXXX XXXX such. XXXX Key Bank fraud division on XXXX and XXXX. On recorded call, requested to cancel XXXX XXXX gift cards. Computer hackers posed as tech rep and XXXX XXXX rep. Claimed that ransomware locked the computer. Requested that I withdraw {$5000.00} to clean up the mess. The {$5000.00} was submitted in XXXX XXXX XXXX XXXX cards. I never made any previous transactions with XXXX XXXX, yet XXXX XXXX did not block them. I filed a claim dispute with Key Bank on XX/XX/year>. They concluded that it was a legal, signed transaction. I was liable for that amount. I received the report yesterday. My XXXX history has the hacker 's time of entry at XXXX XXXX on XXXX. The tech hacker keep me waiting until after the branch bank closed. The fraud rep hacker requested I keep off my Key Bank page or the ransomware would withdraw the rest of my money. Thanks for you help in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2017 I contacted Convergent Outsourcing and I had no problem paying the settlement amount but I wanted to be 100 % assured that it would be completely deleted off of my credit report once it was paid. The agent assured me that it would not be on my credit report any longer once I paid the asking amount. Now, 3 months later and the account is still showing on my credit report as a collection. Very unprofessional to reassure someone something that isnt true.
Product: Credit card

Purchased tickets from XXXX, tried to cancel within XXXX hrs, not responsive since then todate. Called the credit card company, they gave temporary credit but after that reversed that for no valid reason.
Product: Money transfer, virtual currency, or money service

I want to restore my paypal account because i am new in online business since XXXX, my bussiness is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX my paypal account is XXXX, the paypal account is the only way to recived payment from the other country so please help me, Thank you for your support
Product: Credit reporting or other personal consumer reports

I have reached out to Experian and now I am writing to dispute several items on my credit report that I believe are inaccurate and incomplete. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is accurate, fair, and substantiated. It is imperative that the information contained in my credit report adheres to the Metro2 standards, which mandate accuracy and completeness. According to Metro2 guidelines, I expect the investigation to be completed within 30 days of receipt of this. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the necessary corrections. As per the guidelines outlined in the Metro2 Format, I am requesting a thorough investigation into the following inaccurate items on my credit report. Address on Bankruptcy doesnt match my address or any address I have ever had. 

XXXX. Banckruptcy XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$340.00} 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 XXXX XXXXXX/XX/XXXX
Product: Debt collection

I called the hospital and they said they never sent me to collections or have a outstanding debt, Wakefield and associates is the collection agency and the hospital said they dont work with them? Phantom debt! The hospital said my last visit was XXXX and the collection agency reported a unknown debt in XXXX and also charging me XXXX $ every 4 days, medical bills dont have interest in the XXXX orignal agreement I keep all my records. Ive disputed this and told the collection agency and the credit bureaus to call the original agreement only XXXX XXXX verified and deleted it from the credit bureau. Its still on XXXX and XXXX and rising in amount owed. They are breaking several laws and nobody cares.
Product: Debt collection

Checking my credit report. I noticed that XXXX XXXX was showing on my report in the amount {$440.00}. 
Contacted AWA to request legal document showing my proper signature saying that I was the owner of the debt. 
AWA mailed me some printout show my name and address on it, I informed AWA that a printout was not consider any legal document and please mail me all the legal documents bearing my signature on it, saying that I owed {$440.00}. to XXXX XXXX. 
I have been contacting AWA numerous times to correct their error along with XXXX, XXXX and XXXX to resolve this matter. 
AWA Collections is still reporting this negative account to all credit agencies, this has cause a financial hardship upon me ( Higher payments ). 
XXXX has not given me any legal documents showing my signature upon it, XXXX stopped all communication with me, after I requested legal documents.
Product: Mortgage

Gateway mortgage left out taxes on my monthly payment to qualify me for a loan. This is the second time they have done this to me. I bought a home with them in XXXX and they left out school taxes and mudd taxes. I only found out months later after receiving notices my payment was going up and I was required to back pay. I recently bought a new home in XX/XX/XXXX and they did it again. I thought the first time was an accident but then it happened again. My new mortgage payment is now more than I am able to afford and I am being back charged for the amount they left out in closing. I would have not agreed to the mortgage if I had known the actual payment amount. This I believe was manipulation of my ability to pay to force qualify the loan. Considering they have done this twice is what leads me to believe this. They have since changed names and I can not get anyone willing to help. They sold my account before my first payment. That also seemed to have a purpose. They are leaving out taxes on payment for budgeting purposes. 

To add to recently submitted a complaint and was never contacted as the company responded and stated they did. I was never called, emailed, or even received a letter. Their recent response was untrue. I would like a response.
Product: Debt collection

I sent Portfolio Recovery Associates a dispute letter about the debt that they are attemlting to collect being past the statute of limitations for Wa state for open ended credit accounts In the last paragraph of the letter sent it stated to cease all phone calls and use mail to let me know that the matter had been settled They called my cell phone no less than 5 times after that and sent a letter stating that I did not provide enough information to dispute yet they continue to provide the information to verify this everytime I dispute this. The company knows that the debt is zombie debt that needs to be removed from my credit file. It is more than 3 years since the default date.
Product: Mortgage

I requested my portion of the approximately {$27000.00} Fine levied by the CFPB due to me. 
My home was in Foreclosure for 14 years. 
Wells Fargo refused to Modify my Loan for 14 years when interest rates very, very low. 
Wells Fargo refused me a Forbearance on my Loan during Covid-19 Wells Fargo stated they will call me if they find any reason where they were at fault. 
My loan has not been modified although they allow me to make payments. I dont know where my payments are going as they are held in a corporate account.
Product: Prepaid card

I had my pay check of {$530.00} check # XXXX direct deposited to my RushCard on XXXX/XXXX/15. I received my actual RushCard on XXXX/XXXX/15 and activated it. On XXXX/XXXX/15 my account reflected the my funds available to me in my account. On XXXX/XXXX/15 {$530.00} ( my entire check ) was deducted from my account as a " Processor credit reversal '' transaction ID XXXX. I have called every day since XXXX to resolve the issue and keep getting the run around. I have spent countless hours on the phone and when I finally get a live person, they hang up on me. On XXXX/XXXX/15, I was finally able to get a live person on the phone and they were working to fix the error and credit my account back the missing money since the funds were taken out in error. I was told it would be fixed in 24 hours. Today is XXXX/XXXX/15 and I still have not received my funds. I have still continued to call every day and I am told they will fix it within 24 hours, but they still have not returned my funds. This is creating great financial hardship for me as I am not about to pay my bills or buy my daughter what she needs. They have essentially stolen my entire paycheck from me and no one is doing anything after seeing this was an error on the processors part. I need your help to please quickly resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}
Product: Debt collection

I have now left 2 messages on the legal resolution team at Pressler and Pressler after receiving a second letter from their offices. I spoke to someone this afternoon and the amount I " owe '' has increased from the {$820.00} ( amount which was repeated several times throughout our communication as well as the number presented as part of evidence in their notice of motion paperwork. I would like to understand how the sum owed has substantially increased as of this afternoon to well over {$1000.00}.
Product: Checking or savings account

In XXXX I paid off my vehicle with XXXX XXXX ( Texas, licensed in Georgia ). I had autodraft on my payment for several years. I attempted to speak with customer service Truist Bank. Because of my last name, I assume, the cs representative my call was routed to spoke XXXX  as their first language. I can speak XXXX but English is my first language, and the language in which I prefer to discuss business, I am not XXXX. The representative kept repeating it would be {$36.00} to cancel a CHECK, I kept explaining it was not a check, it was an auto draft I set up and should be able to stop. I ask to speak to a supervisor, four times she put me on hold. The fourth time I was on hold 45 minutes. I hung up, called XXXX, they assured me there would be no auto draft that I had paid off the vehicle and I had been sent an email in that regard. XX/XX/2022 XXXX took a payment of {$280.00} from my account. I called, they said it would be 21 to 30 days before they could return my funds. I said that was not acceptable. Georgia needs to be aware of th XXXX 's predatory practice! I then filed a formal complaint with Truist, I contacted the manager of the XXXX, Georgia Branch, XXXX XXXX. On XX/XX/XXXX received a form letter advising me that I had authorized the auto draft originally. On or about XX/XX/XXXX XXXX returned the funds to my account. Around the same time they pulled the money back, they sent me via mail a check for the same amount. I deposited the check. I had to make and emergency trip to XXXX  to pick up my XXXX  Aunt because her son could not come home to check on her, he had been XXXX to the XXXX XXXX. I had insufficient funds because Truist allowed them to pull funds, put it back, pull again and stop payment on the check I deposited. I am Truist customer XXXX should not been allowed to autodraft my account to begin with, then for them to allow them to pull it back and then put it back created complete chaos. I want Truist to refund me all of the insufficient fund debits for that time period. I had informed them, and filed a complaint with them. I was told my XXXX XXXX, sorry, once they have your account number we can't stop them from taking money from you. He said the only way was for me to close my account, and open a new account, it WILL NOT be with Truist! Since BB & T 's, where I had my original account, with Suntrust there has been nothing but incompetence on the part of Truist. As a side note about two weeks ago I received another check from XXXX because I overpaid. That check I went to XXXX XXXX XXXX  and cashed because I was scared to deposit it in my OWN account! All the while Truist was allowing chaos in my account, and charging me for their incompetence. I think they need to refund me every IF charge because the it was like a domino affect. I am a in the process of opening a different account with a different bank but because I am a State of Georgia retiree, and I receive Social Security Retirement, that is a difficult, time consuming process that could have been avoided with a bit of logic on the part of Truist.
Product: Debt collection

On XX/XX/2022, I received a call from Simm and Associates in Delaware. I missed the call and a voicemail message was left. I returned the call to them immediately, but their voicemail system kept kicking me out. I knew what the debt was about even though I had never received notification from this company because I am involved in a dispute over a medical bill. When I returned the call the following Monday, I gave my telephone number and name, but due to the fact that I was unwilling to provide any additional details to them, they refused to talk to me. I told them that this was fine, that they could send me a letter and I would respond in writing as I knew what it was about and it is in dispute. The lady I spoke with said that she was not sending me a letter. I advised her that I knew she was required to send me a letter within 5 days of our communication to which she replied we did not have a communication because I would not verify my address. I advised her this was a communication, I told her who the debt was owing to and that I am disputing it and that I expect to received my written notice. She would not confirm or decline sending me a notice. I then contact the company I was disputing with again, and after several additional phone calls and a complaint to the Civil Rights Bureau, they advised me that on XXXX they have written the bill off and would be notifying the collection agency of this. I then called the collection agency to verify that it had been written off. Once again, I verified my name and telephone number and in one of the calls I even verified my date of birth, but because I wouldn't disclose my address, they would not discuss the bill with me. As a matter of fact, the gentleman I spoke with hung up on me. I called back 2 additional times and was hung up on again. I called back a 4th time and asked to talk to a supervisor or manager and after arguing with me a bit, the wiman I was speaking with finally transferred me to a manger. Again however, this party refused to discuss it with me. I advsed them at that time that I knew my rights and that I still have not received a written communication from them and that I would be contacting the CFPB.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX account was removed from my credit report after I disputed this company LVNV Funding LLC since I never signed or did any business with this company, and it keep being added to my credit report. 

On XX/XX/year> account was removed from my credit report, and it was added back to my credit report XXXX XXXX  account.
Product: Credit card or prepaid card

I give to bank of america my information i have 2 months i cant acces to my benefits I giving all my information and they dont replaced my card
Product: Money transfer, virtual currency, or money service

To whom it XXXX concern, I am writing to report a fraud of {$2600.00} by a woman named XXXX XXXX. I had posted a post on XXXX XXXX page and for sale page about a housing post that I was putting my room on rent. This woman who messaged me asking to rent my place, she said that she would pay XXXX upfront and from that XXXX will be for my deposit and the rest XXXX, I had to send it to her movers. She wrote me a check for {$2800.00}, which I attached below. I added it to my account and when I saw the pending balance, I had sent her the money in multiple payments to some guy named XXXX XXXX, who is supposedly her movers. 2 days later when I check my account the check has bounced out and I message her that her check bounced out and tried calling her but she was using a textnow number ( fake number ). The text messages between me and her are in chronological sequence. You can see from my repeated text I sent in the screenshot below, where the check she mailed bounced, she didn't respond to my texts, I called chase freaking out to report this fraud because {$2600.00} is significant amount of money for someone who is a college student, and doesn't have much savings to my name, and now providing proof. Lastly when chase refunded me the money in the form of a credit, I was delighted that chase made things right for me. I messaged her saying I got my money back and she responded that I am happy you got your money back, proving that she did try to scam me. Also when I researched her name on XXXX she had sent the same text messages to multiple people, and scammed multiple people. I have provided Chase my bank with proof of all the text messages, the check she sent me, the screenshot of the check bouncing out.
Product: Mortgage

On XX/XX/2023 I submitted documentation to UHM for mortgage assistance. 
Loan number XXXXThe UNION HOME MORTGAGE IS THE LENDERXXXX XXXX XXXX XXXX OH XXXX XXXX 
I asked for a break from payments due to having hard time to catch up with my other bills and explained and attached statements showing I have no food or home related bills because I barely can pay for them and UHM stated their response time was 30 days. 
On day 30 I emailed, called they did not respond. Finally someone responded that they are still reviewing my request. That was on day 30.I called on day 31, they still did not respond.I kept on emailing, they kept on creating cases without answer and closing them as resolved.After calling someone on UHM end told me my request was denied without any explanation. 
At this moment, I am left out, purposefully, so I become default.UHM did not review my request or my proofs attached and stopped responding close to deadline so I get late on my payment.I find their practices deceptive and unjust.Soneone needs to investigate them ASAP
Product: Credit reporting or other personal consumer reports

I reached out to transunion adv that I have unknow unauthorized inquries on my credit report. This is the third time Ive reached out. They informed me that I need to reach out to the creditor. Once contacting the creditor they told me to contact Transunion. mnIve then contacted transunion and informed that the inquries were not authorized by me and asked politely to remove. They informed me I have to provide paperwork from the cfpb an dthe ftc. I didnt know that unauthprized transactions can stay on my credit if im telling them its not me. These are the inquries im asking to be removed due to being unauthprized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX