23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When I applied for a Parent Plus loan for our son ( XXXX XXXX  ), my husband and I both had great jobs. 
Our son suffered XXXX while in school and transferred twice, thereby attending XXXX different colleges. 
He had enough XXXX credits to be a professor ( i.e., college B doesnt accept credits from college A, etc. ), The costs to retake college courses when transferring seems criminal. 
Down the road at payback time, I had XXXX XXXX XXXX  and finally a XXXX which landed me in the hospital for XXXX days. The high paying, high demand corporate job I held was causing extreme stress that was determined to be the cause of my XXXX. I left that job and was XXXX XXXX XXXX. 
I put my loans in deferment while I was not working. This racked up phenomenal debt in the form of interest. At one point the bill was XXXX ( for a XXXX XXXX in XXXX XXXX ). 
Great Lakes, the servicer for my loans is now Nelnet. According to the new Nelnet website, my current balance is {$200000.00} I can tell you that in XXXX after we sold our home, we paid XXXX toward our balance. Also, in accrued interest we paid {$12000.00} in XXXX. A total of XXXX, XXXX thus far has been paid by us toward this debt. 
My husband retired in XXXX he has had several health issues over the last 3 years and has not been able to contribute to any household earnings other than his SS which isnt quite enough to cover the mortgage. 
One of the colleges my son attended closed ( XXXXXXXX XXXX XXXX ). During the summer of XXXX, the college was placed on probation by its accreditor, the XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX and Colleges, over concerns about its finances. 
My current balance is {$200000.00}, knowing we paid nearly {$60000.00} to date is troubling. While I do work, I am self employed, therefore, paychecks are not regular. 
I am a parent of a child who neither parent ever attended college. We wanted this for our son and at the time we both had good permanent jobs which we expected to allow us pay the high cost. 
Thank you for any help, I do not see me getting out from under this alone.
Product: Mortgage

We were 2 1/2 hours from closing when we got a call saying our loan has been denied. We have been working with Wells Fargo for 7 months to secure this mortgage. We have XXXX commitment letters, inspections, appraisals and XXXX closing Disclosures. XXXX times we thought we were closing, Wells Fargo would call us on a Friday Evening with the bad news they wanted more documentation and we would not be closing the next Monday. We have moved over half our possessions into storage, we have given our landlord notice and the utilities on the for our new house are in our name. Because of Wells Fargo 's inability process anything in a timely manner My family will be homeless in three weeks. What has changed? I 'm told my dept ratio is too high for a coupe of months in the year. They are incapable of understanding that a seasonal part time job has a fluctuating pay check. I have XXXX incomes my primary income is working for the same transit property for 17 years. My second income is XXXX from the XXXX Since the first approval letter my dept ratio has improved and my credit score has gone up. Why did it take them 7 months to make a decision???
Product: Credit reporting

I received a notice on Saturday, XXXX XXXX, 2016 XXXX from creditkarma.com that my password has changed. 
I did n't make this request which came in conjunction with credit card number, being stolen and used fraudulently, and an attempt to hack my yahoo email and XXXX account which, to the best of my knowledge, failed. 
An email dialogue ensured which I have printed out in PDF format The highlights include : - They think I am XXXX XXXXXXXXXXXXXXXXXXXX which they should know I am not because I told them so 14 times and because they are emailing XXXXXXXXXXXX not XXXXXXXXXXXX. 
They actually published XXXX XXXX 's DOB which is personally identifiable information ( PII ) over clear text email to me ( XXXX XXXX XXXX ) who self-identified as NOT XXXX XXXX 
At this point my conclusion is either : Credit Karma has been hacked and their email being used by fraudster 's as a phishing attempt. 
Credit Karma is inept and shares DOB over clear text emails and expects me to do the same. 
The email dialogue is attached. They explicitly declined to call me or give me their number. I can not find their number on the web for credit karma. In their email contact they publish a bad number XXXX XXXX XXXX XXXX which is not their company when I call it. 

I submitted a police report this evening in person to police XXXX XXXX XXXX ( on the XXXX XXXX on the evening of XXXX ) of the XXXX, XXXX police department. The police report number is XXXX Jus email is XXXXXXXXXXXX. 

I am foggy on next steps. I would really appreciate an investigator to figure out what 's going on. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Student loan

Having continued economic hardship, ca n't repay loans. Student Assistance XXXX called me directly in XX/XX/XXXX stating they wanted to help, said I qualified for a 30 day forbearance which I accepted, then was assured I could resume payments of {$130.00} XX/XX/XXXX ( after I received a 401k Loan - yes took a loan from my 401k to resume payments ), without penalty, and any past due amount would be made current, and the loans would not go into default. Was assured the IBR was accepted at {$130.00}. Then I logged into Navient 's site and was advised the IBR rate doubled, and they could not honor Student Assistance 's agreement, due to my tax return for XX/XX/XXXX increasing by $ XXXX. I advised Navient that I can not afford anything over the {$130.00}, and understand I owe these loans, but need help by keeping the payment at {$130.00}. I asked them to work with me, as a divorced single mother raising a XXXX child on XXXX income with no child support. They suggested I reapply for an IBR which I did on XX/XX/XXXX submitting XXXX paystubs ( per their request ), I also made a payment of {$130.00} on XX/XX/XXXX ( as promised ), but today ( XXXX/XXXX/XXXX ) received a Notice of Delinquency ( {$390.00} past due ) and threat of Default. This is in complete contradiction of what Student Assistance told me ( recorded call ) in XXXX. I do n't know what to do besides default on the loan if Navient wo n't honor the {$130.00} IBR. XXXX. When I call Navient, I am on the phone for such a long time with someone who only reviews the general options for repayment and then tells me my payment would be nearly {$400.00} if I was n't even on an IBR. I can not reach a manager or anyone who will work with me on an individual basis as someone who WANTS to honor my obligation, but just ca n't make a monthly payment over the {$130.00}.
Product: Checking or savings account

Due to Hurricane Milton I had to use my savings to fix my roof that was damaged. Over {$3500.00}. Which left me with no money. I had to take advantage of the overdraft offered by PNC bank for food and etc. In total I have been charged {$280.00}. Now, I have been charged {$36.00} on 2 transactions that were under {$10.00}. I had stopped payment on an ACH and was still charged {$36.00}. I show they had not charged the fee in the past when the payment was stopped. PNC says they give you a grace period to fix the issue, but a few charges I was not given that grace period. When I had called to complain, they did a credit {$100.00}, and the man said that moving forward you will be charged and no more credits. I feel they are over charging as a punishment. There is a new rule in place and would like my fees credited back to my account.
Product: Checking or savings account

Not having enough funds available, payments still came out causing negative accounts and late fees
Product: Debt collection

I would like to report unfair billing practices and reporting with intention to discredit an individual by constantly reporting negative information to credit bureaus information that is not current. I am being doubled billed by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, TX ph # XXXX ) as well as Merchants Professional Collection Bureau , Inc ( XXXX XXXX XXXX XXXX, TX XXXX ph # XXXX ) for the same bills. I am being coerced by the two to pay both of them. I have been making payments on old accounts to both parties. I have a current payment plan with XXXX XXXX XXXX for which i have been paying on time scheduled payments as well as paying the other company as well. XXXX XXXX XXXX consolidated the old accounts and brought to current by me paying underneath one account for these old accounts to them, plus Merchants and Professionals collection agency is continuing to bill me as well as XXXX. Merchants and Professionals is constantly reporting to national credit bureaus negative on accounts that i have a current payment plan and is satisfactory paying with on time payments to the original company ( XXXX ) Both companies are getting money from me for the same bills. I am paying Merchants and Professionals as well outside of XXXX XXXX XXXX. Neither is reporting to each other. After speaking with XXXX XX/XX/2020, representative with Merchants and Professionals, XXXX states that they will continue to report negative to credit bureaus even though she is aware of my current payment plan for these old accounts and is currently paying XXXX XXXX XXXX for them. Please help me as i am not able to keep paying both. Merchants and Professionals is using reporting to credit bureaus as a method to coerce me to pay them too when i am paying XXXX XXXX clinic for what they are harassing me for.
Product: Debt collection

The AMCA ( American Medical Collection Agency ) are trying to collect a debt for {$960.00} that is not mine. The first letter I received from them was on XXXX, then XXXX on XXXX and this XXXX XXXX on XXXX and now dated XXXX on their letter. This last letter is written in a threatening tone. I responded on the same letters they sent me on XXXX, XXXX, XXXX and mailed the response the same day explaining in very courteous form that they billed me in error, the same on XXXX and now again on XXXX. The letter they sent on XXXX I faxed to my doctor as % his request. I explained on the other letters to AMCA the DEBT IS NOT mine and that I am XXXX and on food stamps as well. I HAVE XXXX. and these threatening in tone communications are exacerbating all my symptoms. They stated in this last letter that I had not disputed the debt ; a blatant lie on their end as I have responded in written form 3 times and I keep copies of everything!!! They have attempted this in the past as well with a much smaller debt. That ended in XX/XX/XXXX but went on for 2 years prior to that as well. Is this company is preying on me because I am XXXX??? Please help me as best you can.
Product: Checking or savings account

On XX/XX/XXXX, Frost Bank had contacted me and told me there was an overdraft on my account due to bounced checks and money sent via XXXX, XXXX, and XXXX. I always check my bank account at least twice and day and noticed nothing out of the ordinary. When I checked today, I realized that I was scammed by someone online, who promised me {$500.00} for art that I do. He had verified clients who supported his claim and he sent me checks for {$2500.00} and then spread that money out to his partners. I told them what had happened and to conduct an investigation, but Frost said that their XXXX XXXX would contact me later so that I could pay them back for the overdraft. I even asked them to close my account but they said that they would do it for me in XXXX. I also told them that I didn't sign up for overdraft but they said that I owe them money and that they won't reimburse anything even though XXXX and the other apps now have a policy that allow them to reimburse money that was sent through their services. I have filed a police report against the scammer but Frost Bank is unwilling to compromise with me even though I was the victim. I have never been treated like this in the 10 years that I have been with them. I have always stayed above the minimum balance limit to avoid the fee and I pay bills early and have good credit. I have sought advice from my parents, colleagues that were former bank tellers and other local police officers and they all agreed that the bank should reimburse me and not bear the burden.
Product: Checking or savings account

After XXXX XXXX XXXX XXXX XXXX  XX/XX/year> my wallet with my bank card, state ID, social security card, phone and car was stolen. A police report was made for the stolen items but I could not report the stolen funds from Navy Federal credit Union until I was allowed to by XXXX XXXXXXXX XXXX  Due to the fact that so much time went by before I was allowed to report my funds stolen it made it difficult to report it directly to the bank. After being XXXX I provided a 562a form, police report, and court documents for the bank to show that the funds was stolen. Navy Federal credit Union has still denied me a provision for these unauthorized transactions.
Product: Prepaid card

When trying to log into my account. My password is continuously changed and I have to reset it. There is another complaint regarding cyber squatting on my government phone, but it's not your department 's concern, When I call the company and question, I always get a foreigner and they always violate banking and company policy. Please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a letter that I owed XXXX XXXX XXXX for unpaid debt. Six years ago in XXXX, I settled with XXXX XXXX XXXX for the balance owed in XXXX County Magistrate court. I am no liable for this balance because all debt has been settled. I have not been in communication with XXXX XXXX XXXX at all till this year when I received letter for debt collection. Finally, XXXX XXXX XXXX was presented on my credit years ago and since than has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting or other personal consumer reports

Looked at reportaccounts still listed not mine. Credit accounts do not pertain to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$4200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I recently opened a credit card on a XXXX account to take advantage of a discount if opening the card and making a purchase the same day. 

When I recieved the physcial card in the mail, I attempted to go online to make a payment, but the charge from a few weeks before hand had not posted on the account and I was unable to make a payment at that time. 

I checked back a few times afterwards, and the online payment system still had not updated to reflect my purchase, or to allow a way to make payment. 

Then a 30 day late payment posted to the credit bureau. 

When I went to the website, there were ways to make payments on the phone or on the website via various modern and efficient electronic means. 

When I finally located the dispute section of the website, the only means of communication was via US Postal Service, or Fax Machine. 

When I contacted customer support, they were unable to address the issue, and simply referred me to the postal address or the fax machine, and were unable to supply even a more direct email or phone number to an actual person or manager over the dispute department. There was no person on the call center to handle disputes, thus there was no way to directly discuss the issue, or remediate it other than these archaic methods ( blindly sending financial information through the mail, or locating a fax machine somewhere to fax the complaint ). 

The lack of support and suggesting that I try to locate a fax machine in XXXX is not an acceptible means of communication when compared to the multitude of instant options they have available for recieving payments.
Product: Credit card or prepaid card

In Mid-XXXX, 2020, I mailed a payment to Citibank to pay off a credit card. I contacted them before the payment was sent to get the correct payoff amount. The cashiers check was mailed overnight. I had two accounts with Citi, both checks in the same envelope. They applied one check to one account, but the other check they did not apply, but rather cashed the money and it is nowhere to be found. The stamp of deposit was XX/XX/2020. I have tried numerous times to contact someone in regard to having the payment credited to my account, but I consistently get put on hold, sent to another department, or disconnected. Last Monday alone, XX/XX/2020, I spent almost 3 hours on the phone and on hold, as well as transferred to seven different people. The last individual hung up on me. Citibank also  reported the alleged late payment to my credit report causing a decrease in my credit score that I have been diligently been working to increase. I have spent multiple hours, over multiple days trying to fix the issue, but it has been to no avail.
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.
Product: Checking or savings account

I had an outstanding balance with XXXX XXXX XXXX  that I satisfied and chexsystems is still incorrectly reporting that I owe and were unable to provide me with information about the account after numerous request.
Product: Debt collection

I received a call on XX/XX/XXXX from XXXX stating in a very abrupt manner " You have XXXX hour to contact XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX concerning a legal matter and failure to due so will result in Garnishing of your wages and seizure of your home and car. I immediately panicked and contacted the number. I was placed on hold for several minutes then a representative got on the phone and stated that I owed about XXXX to a bank in XXXX, Ohio they said I opened an account with and needed to set up a XXXX dollar a month payment plan before the end of our call in order to stop the wage garnishment and other results. I explained to them that I did remember using this bank over 7 years ago but I do not believe I owed them that much money because I recall closing out the account. I also asked why they never sent this information to my address and they stated they sent the information to my last publically recorded address. I told them that I had not lived at that address since XX/XX/XXXX and could they please send the information to my new address. They responded no and that the bank had done there job by law because they sent me the letters to my last recorded address. They also stated that I could not be sent a copy of my charges because they had already done so. They also stated to me that I could not contact the bank for these charges until after I made my first payment. Therefor, I acted on impulse and fear and gave them my debit card number. After speaking to my relatives I learned that this same fraud calling number had been all over the new for fraud tactics. I then attempted to call back the original XXXX number but was redirected to a XXXX voicemail and when I attempted to call back THE XXXX number, I was placed on hold and no one picked up again. Therefore I called both numbers back and left a very irate message requesting to be removed from there calling list. I also contacted my bank to request they block the card and send me a new XXXX. On XX/XX/XXXX I received a call from XXXX stating they were unable to pull the payment from my account. I explained to them that I canceled the card and the fraud tactics they were utilizing left me with unanswered concerns, and they stated they had done all by law they had to do with explaining to me my charges and to remember to appear in court once I receive the court summoning letter.They also stated that I would be responsible for over XXXX in collections after the court appearance. Is this correct? Can they really take this type of action by garnishing my wages and seizure of my property?
Product: Credit reporting or other personal consumer reports

Equifax is reporting a trade line that is not mine. It is an account previously owned by another consumer and included in bankruptcy in 2018. I was an authorized user at one time and they keep reporting this and the balance. I am not an authorized user and I dont own this account.