23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I've contacted Mohela two times over the past couple of weeks. Hold times are easily 35+ minutes to get a real person on the line. I am a part of Sweet v. Cardona, with full loan forgiveness due to a predatory school ( XXXX University ). As my loans are Direct Consolidation loans, held by Mohela, I was informed by FSA to reach out to them for any information. The first time I called, I was told that my loans ( which should be in forbearance until they are discharged but were actually switched to repayment and accruing interest ) should automatically switch over to administrative forbearance due to the settlement. I then inquired about receiving a refund for payments made over the past ten years to Mohela, to which I was told the checks come from the Treasury and to contact XXXX ( I did contact XXXX who told me to contact Mohela .... ). That was all the info they could give me. They also had zero information on the rest of the discharge, as only half of my loans have been discharged as of now. Again, they state to contact XXXX. After a couple weeks, my loan still had not moved to forbearance and I had to call back, again waiting 35+ minutes during the specified times they state to call for lowest volume. The option to request a callback also does not work. After another hour on the phone with someone who repeatedly put me on hold, I was told my loan should move to forbearance after a few days- which it finally has ( at least until XXXX where I will likely have to call back and repeat this process ). My complaint is in regards to the extreme hold times, the fact that I was told I would get a call back from XXXX in regards to more information ( still never have ), and the fact that the representatives know absolutely nothing when it comes to my loans, who to contact for refunds, and who to contact for more information on when the rest of my loan could potentially be discharged ( it is still accruing interest ). I also requested payment history about three weeks ago via secure message and still have not received a response. This company has been dragging their feet for months, as many other servicers have already completed the discharge AND the refund process. Horrible customer service and simply point fingers at everyone else, never placing any blame on themselves.
Product: Payday loan, title loan, or personal loan

I was told I would be able to pay off the loan in monthly installments and I have been but my balance hasnt decreased only increased with every payment. I should have already paid the loan off but I own more than the amount of the original loan. I dont understand where my money is going monthly. The loan wasnt broken down to me as far as how the payments would be applied. My pay at work has decreased dramatically and At this rate I will never be able to payoff the loan and May end up losing the first car I have ever owned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  {$5600.00} is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). I demand account removed to prevent further Identity theft of personal information.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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: Credit reporting or other personal consumer reports

Subject : Unauthorized Hard Inquiries on Credit Reports Complaint Against : 1. Experian 2. XXXX  Complaint Details : I am submitting this complaint regarding unauthorized hard inquiries reported by both Experian and XXXX. These inquiries were not authorized by me, and both credit reporting agencies have failed to remove them despite my disputes. The following laws are relevant to this issue : 1. 15 U.S.C. 1681b ( f ) ( 2 ) : This law requires consumer reporting agencies to only include inquiries when there is a permissible purpose and explicit consumer consent. I have not provided consent for the listed inquiries.

2. 15 U.S.C. 1681q : This statute prohibits obtaining a consumer report under false pretenses. The entities responsible for these inquiries failed to obtain my consent, and Experian and XXXX reporting of these inquiries enables violations of this law.

3. 15 U.S.C. 1681c-2 : This section allows consumers to block fraudulent or unauthorized inquiries. I have notified Experian and XXXX about these inquiries and requested their removal, but they remain on my reports.

Disputed Hard Inquiries Experian Credit Report : 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 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 Steps Taken : 1. I filed disputes with both Experian and XXXX to remove these unauthorized hard inquiries.

2. I requested documentation or proof of my consent for these inquiries, which neither agency has provided.

3. Despite my disputes, the unauthorized inquiries remain on my credit reports, negatively affecting my credit score.

Resolution Sought : I request the CFPB 's assistance to : 1. Ensure that Experian and XXXX  delete the unauthorized hard inquiries listed above. 

2. Confirm that Experian and XXXX comply with 15 U.S.C. 1681b ( f ) ( 2 ), 1681q, and 1681c-2 by requiring permissible purposes and consumer consent for all reported inquiries.

3. Require Experian and XXXX to improve their dispute resolution processes to address unauthorized inquiries efficiently and transparently.

Desired Outcome : Immediate removal of all unauthorized hard inquiries from both Experian and XXXX credit reports.

A formal explanation from both agencies regarding their noncompliance with federal law.

Assurance that both agencies will implement measures to prevent similar issues in the future.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance Owed : {$5400.00} XXXX XXXX XXXX XXXX  Balance Owed : {$850.00}
Product: Prepaid card

I opened an account with Netspend All-access around XX/XX/2023. I recieved a direct deposit on my account a few months later for my income tax that came from the IRS. I immediately contacted Netspend shortly thereafter when i attempted to gain access to my account to find out that it was locked for no apparent reason. I spoken with customer service and they advised me to send documents to clear the concern on my account. I sent in the documents requested ( ID, SS Card, and utility bill ) and within 30 minutes later i recieved an email stating that my account with Netspend has been closed. I called back netspend and asked for my balance of the remaining funds on my account to be sent to me. After waiting 5 months later Netspend has failed to release the funds to me and are refusing to do so. My account number with netspend is : XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan from XX/XX/2014 to XX/XX/XXXX shows that I was late on my credit report. I attended school before this date and after XX/XX/2014 I was told that my loan was deferred and it would be backdated from XX/XX/2014. I look at my report and it still shows that I am late. They have updated my XXXX   report and removed the late payments. I have disputed this with all three credit bureaus and they still show up late in Experian and XXXX please fix this. I know that there is a dispute with the Attorney general with the XXXX student loan from the college I went to. Although I want my credit report to be updated please. I am aware of the law suite many years ago involving XXXX with not disclosing information to students on other behalf when you need a deferment or even letting students know of there option I am sure this is what happen and this is a mistake please remove the late notes in my report
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I requested a wire in the amount of {$350000.00} from my savings account to Citibank to a brokerage account at XXXX. I was later informed by XXXX that the recipient information was incorrect. On XX/XX/XXXX I provided Citi with the corrected recipient information and was told the wire would be processed. After 3 days of trying it became clear to me Citi was not able to send the wire, so I cancelled the transaction on XX/XX/XXXX. I was told it could take up to ten business days for the funds to be returned to my account. In spite of multiple inquires each week, it took until XX/XX/XXXX for any of the amount to be return, and only {$340000.00} has been returned to date. Multiple Citi customer service professionals have told me they do not know why the full amount has not been returned, and they don't know hold long it might take to resolve this matter.
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 account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$520.00} XXXX  XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request verification of a late payment that is currently being reported on my credit report. The account in question is XXXX with XXXX XXXX XXXX XXXX XXXX. 

Specifically, I would like to verify that there was a 30 day late payment on the account in XX/XX/2021. I have reason to believe that this information may be inaccurate or incomplete, and I am requesting that you provide me with detailed information regarding this reported late payment. 

In accordance with the Fair Credit Reporting Act, I am entitled to receive a written response within 30 days of receipt of this letter. Your response should include detailed documentation supporting the accuracy and completeness of the information being reported on my credit report. 

If you are unable to verify the accuracy of the reported late payment, I request that you remove this information from my credit report. Please also provide me with a revised copy of my credit report reflecting the updated information. 

Thank you for your attention to this matter.
Product: Debt collection

Based on recent news reports, I believe I have a situation where a Wells Fargo employee forged my signature to cosign a line of credit loan with my former business partner. On XX/XX/2013, Wells Fargo emptied my savings account {$5100.00} claiming right of setoff. I spoke to and sent a letter to Wells explaining why the signature on the loan was not mine. In my letter, I attached a copy of the partner tax return showing that I had sold my interest in the business to my partner over a year before I supposedly signed the loan document. I would not co-sign a loan for a business that I had no interest in. I also explained that I had moved to XXXX from XXXX. There is a XXXX. fax number on the loan document, but no fax number from XXXX. 
I always sign documents using my middle initial. The loan document front page has my typed name XXXX XXXX XXXX, however the signature page is typed and signed XXXX XXXX. I provided Wells a copy of my signature on the XXXX document and my Wells Fargo checking account signature card. Both signatures are signed XXXX XXXX XXXX. The signature on the Wells document is vastly different from the XXXX signatures I provided. Because I did not sign the Wells Fargo loan document, I demand Wells return my money. 
attachment XXXX : XXXX pages Wells loan document attachment XXXX : XXXX page, Wells checking account signature card attachment XXXX : XXXX page, signature page of XXXX
Product: Credit reporting or other personal consumer reports

This is my 2nd attempt with Equifax to solve this situation. They are reporting inaccurate late payments and incomplete credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be investigated immediately XXXX XXXX I respectfully request for the 2ND time to be provided proof of this alleged item, specifically proof of those late payments are in fact late. Falling that, ( they have already failed 2 times ) the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a correct credit profile to all creditors who have receives a copy within the last XXXX XXXX, or the last XXXX years for employment purposes., Additionally, please provide the name, address and telephone number of each credit grantor or other subscriber, Under Federal Law, you have ( 30 ) days to complete your re-investigation.be advise that the description of the procedure used determine the accuracy and completeness of the information is thereby requested as well, be provided within ( 15 ) days of the completion of your investigation
Product: Student loan

Sallie Mae keeps playing around with the payments made on my account lately. It has now also charged me a late fee when the loan payment was sent via their own website and yet they say it did n't work. Some months it 's fine and other times it 's not- same bank account was used since the date an account was opened. Now we have changed the account since he graduated and we registered that account on the Sallie Mae website and removed the old one and now they charged us {$20.00} return fee because they charged the old account instead of new one. Somebody has to shut down Sallie Mae!!!!!!!!!!
Product: Checking or savings account

I filed a dispute back in XXXX on my debit card and credit builder card. They denied my claim in 2 days. I reopened my claim they said XX/XX/XXXX I will get my provisional credit. But at XXXX mst they denied my dispute.again at the very last minute. But kept the other dispute open. Spoke with a supervisor. He said sorry they are not doing there job. And I summited everything and my claim should not have been denied especially when I should have gotten my provisional credit. He apologized because I lost a XXXX car all of my property my home my belongings everything. And now I want money for my damages the supervisor in a recorded call agreed with me and said it raies a issue with him so much that he will t a lk to them because this claim should not be denied with all the proof and the only reason why I was denied because the investigator failed to do there job. Now I lost everything. And I want to be compsaited for my losses. Having me wait all day to get my car back {$20000.00} vicheal now I lost it. I want to make them pay me back. For my losses
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of several accounts on my credit report. Upon reviewing my credit report, I have discovered that these accounts are being reported inaccurately and require immediate attention. Firstly, these accounts should not be included in bankruptcy as they were not part of any bankruptcy proceeding. Secondly, the balances being reported for these accounts are incorrect and do not reflect the actual amounts owed. There was an error in the reporting of these accounts and request that they be removed or updated to reflect their accurate status. I understand the importance of maintaining accurate credit information and request that you conduct a thorough investigation into this matter. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I was alerted about an unauthorized inquiry from XXXX XXXX XXXX  Contact service loan and was told they do not see where they ran my credit on XX/XX/2023 and I should notify equifax because it is illegal to speak on my behalf. I called equifax and was not able to be transferred to the correct department to fix this issue. I wrote them a letter to investigate it they falsely stated they did and the inquiry is still reported causing harm to my reputation and credit status
Product: Mortgage

I just found out yesterday XXXX I can not finance my home at the rate of 2.5 % do to the fact that rates went up to 5 and 6 % I have been try ing to my house refinanced since XXXX ofXX/XX/XXXX but due to your mistake of recording two partial claims I Could not get this through till one of the partial claims you recorded by accident was removed I have contacted you weekly on getting this removed so I could get this done but you guys kept put me off waiting on the phone for hours paid for an appraisal that now I cant do so due to all the pain and suffering that you have put me through what are you gon na do about it
Product: Credit reporting, credit repair services, or other personal consumer reports

Not too long ago, i attempted to apply for a credit card and on XX/XX/2021 i was told that i have XXXX credit ( on equifax ) so i am unable to do so. This is not the first time i was told this. Over the years only my XXXX XXXX score will show up so it looks as if i have no credit. This has stopped me from acquiring a car, loan, home, etc. without a co-signer.
Product: Student loan

I have a large sum consolidated student loan that I took out as a student of the XXXX XXXX XXXX XXXX and is serviced by Navient. I have paid this loan monthly and on time for almost ten years. I changed banks in XX/XX/XXXX and have been trying to update my autopay information with Navient, and they repeatedly deny my application for no apparent reason. My bank does not know why this is happening either and i do n't believe it is a problem on their end. Since i 'm not in autopay, Navient increased my interest rate and did not communicated this with me at all in the last few months - i had to keep looking at my online account info to find anything out. in addition to this, If i try to pay online through Navient monthly bill pay, they also refuse to accept my bank account information, so I have made payments through my bank 's bill payer option. The last time i did this - on XX/XX/XXXX - due to poor/unclear information on Navient 's website, I sent my  payment to the wrong address! when i did n't see the balance go down on my Student Loan account, I called Navient and it took them a while to figure out that a different Navient division ( the XXXX XXXX XXXX ) had my money and were in the 30 day process of sending it back to me! this has become a fiasco that i can get no one to help me with on Navient 's end. the last time I spoke to them - on Wednesday, XX/XX/XXXX, they tried to get me to apply for a forbearance until I got my payment back from the Navient/XXXX XXXX XXXX so they could process my autopay application ( mind you, the 4th time I 've tried to process autopay through Navient ) I feel like what they are doing is trying to drive up my interest rate and charge me late fees in order to get more money out of me! I refused the forbearance ( i do n't want a forbearance! I am not having financial hardship! I JUST WANT TO PAY THE LOAN! ) and they again denied my autopay application, this time their reason was that i have an unpaid balance! I even made an additional payment to the correct address that i was given over the phone - and that is not showing up in my account balance either! It went out of my account with the name Navient listed as the payee, but it does not show up on Navient 's end. As a borrower with a previously PERFECT payment record, there is no reason that they should not be accepting my autopay application and retroactively adjusting my interest rate while also giving me excellent customer service! but all i am getting are daily calls call from an overseas call center, telling me that my account is past due! I wish i could change companies, but i feel trapped and preyed upon and totally helpless and at their mercy. I 'm not sure what to do next and i do n't know who to go to for help! I am going to have to spend another hour + on the phone with them, which is a waste of my time as a working mother. I 'm so angry it is hard for me to not shout when i call them. what do I do?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 

A total of {$690.00} lost in disputes