23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Over the past 12 months my monthly payment for my private student loans through Navient have steadily increased. On XX/XX/XXXX my monthly payment was {$740.00}. By XX/XX/XXXX, the amount increased to {$750.00}. The amount increased again just this month, XX/XX/XXXX, to {$760.00}. My loans are private and have a variable interest rate so I do understand that these rates will fluctuate from time to time. However, prior to the past 12 months, rates only increase once a year and it has a tiny effect on my monthly payment. Now it feels like every month when I login, I'm paying more and more and more. I called Navient back in XX/XX/XXXX for some clarification on the matter and the female service rep who took my call coldly replied, " we do not set the interest rates ''. Duh! I know that but I was seeking insight as to intangibles that could be possibly make my payment increase every 2-3 months. I'm certain interest rates are not changing THAT often. When I explained this to the rep, she again replied, " We do not set the interest rates ''. She was no help at all, nor was she trying to be. 

Additionally, in XX/XX/XXXX, I lost my job and reached out to Navient for assistance with paying my loans. A deferment would have been most ideal for my circumstances as I was living off my last paycheck from work and very little savings. The customer service rep did not offer me a deferment. Nor were they willing to help me get a lower monthly payment based on my current income. I was told my ONLY option was to do a forbearance and that in order to obtain such for 3 months I had to pay a {$150.00} service charge. Why am I paying you {$150.00} to forbear my loans? If I'm struggling to pay my current loan amount, what makes you think I have {$150.00} extra dollars to give you? Out of desperation for relief, I went with the forbearance but the entire the rep processed my payment over the phone I felt cheated. I knew I was been mislead and taken advantage of ( as if owing {$34000.00} in student loans with an 11.2 % interest rate isn't bad enough ). I can only imagine what other borrowers may be going through. To be clear, I have no problem paying back my student loans. They allowed me to invest in myself and further my education ; however, I would like to be treated fairly in the repayment process, which I feel I have not.
Product: Debt collection

XX/XX/2024, I attempted to call a debit collection ( aargon collection agency ) contact number. I'm then transferred to, " XXXX. '' He tells me he is a part of the, " dispute department. '' He then tells me to give him my credit card number, social security number, and birthday to check my payment, but wait ; It's going to cost a dollar to check and even {$100.00} to file a dispute. It's already suspicious I would have to do this if I already exist in their system, as it seems predatory in nature. In good faith I agreed and my suspicions were confirmed when under XXXX hours I see an email confirming I've been subscribed to standardscores.com ( https : //app.standardscores.com/users/sign_in ) with a plan to charge me {$24.00} monthly, WITHOUT MY CONSENT.This number was listed under a DIFFERENT COMPANY, then told me, by an agent who SAYS HE REPRESENTS THEM, LOG MY CREDIT CARD INFORMATION AND IS ILLEGALLY TRYING TO CHARGE ME A SUBSCRIPTION FEE WITHOUT MY CONSENT. From the little research I've seen, they have a REPUTATION of this! I then found the REAL AARGON AGENCY and they have NO IDEA where that number is from and are confident it has never been registered to them. Even they said my interaction sounded like FRAUD and to file this complaint. My family hasn't served this country for generations to deserve this type of nonsense, when most people live paycheck to paycheck! It's unacceptable and THEY SHOULD BE SHUT DOWN IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax/XXXX  in regard to over 14 inquiries which were not made by me and even spoke to them via phone numerous times.
Product: Checking or savings account

On Saturday, XX/XX/XXXX, my wallet was stolen. My wallet had several credit cards, my drivers license and my US Bank debit card. I immediately notified US Bank that day that my debit card and drivers license had been stolen. On Monday, XX/XX/XXXX, I called US Bank to remind them my cards had been stolen and they needed to put a notification on my account since my drivers license was also stolen. US Bank put a notice on my account. 

On Tuesday, XX/XX/XXXX, the people that stole my wallet went to a US Bank branch in XXXX XXXX, MN ( I live in XXXX ) and withdrew {$1300.00} from my savings account. This was after I notified US Bank twice that my wallet was stolen, to cancel my debit card and again to put a notice on my accounts. 

I called a few times over the past 6 weeks asking for an update to my case. I was told it would take up to 8 weeks for the investigation to be completed. Today, XX/XX/XXXX, I received a cashiers check in the mail for {$1300.00}. 

I had been a customer with US Bank for over 20 years. Because I couldnt trust US Bank to keep my money secure, I cancelled my accounts with them. It also took almost 6 weeks for me to get my money back, which should have never been stole in the first place if the bank had been doing their job correctly.
Product: Debt collection

On XX/XX/2019 at XXXX I was contacted by a XXXX  man named XXXX claiming to be part of National Credit Systems , Inc . He told me some information about me like the last four of my SSN, my car make and color, my security deposit amount at my previous apartment, and my previous address. He then said I had an outstanding balance of {$890.00} still owed to my apartment complex I had moved out of at the end of XXXX. I had settled this balance with my apartment company previously and my check for the amount he stated minus deductions made by the apartment manager had been cashed already. The man tried to get me to give my credit card information over the phone to pay for my outstanding debt, which would supposedly help me avoid a hit on my credit report. After hanging up and calling my former landlord, I have no outstanding debt to them and they reported to me they never filed for collections or bad credit against me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

XX/XX/2023 purchase of {$410.00} on American Express for shoes from online company XXXX. Shoes received via XXXX on XX/XX/2023. XXXX picked up the shoes on XX/XX/2023 to be returned to the original shipper in XXXX. XXXX confirmed the shoes were signed for by the original shipper on XX/XX/2023. Followed up with XXXX as to my credit of {$410.00} for the return. XX/XX/2023 I contacted Amex to dispute the charge as I had not received the credit due. The dispute was processed by American Express. XX/XX/2023 XXXX advised me that they had a package from XXXX ( XXXX shipper ). I contacted XXXX, XXXX, and Amex and advised that I would NOT accept any package from this shipper. XX/XX/2023 XXXX sent an email advising that they would not accept the return and would not be crediting me as the shoes were returned " worn '' .Emails were sent by me to XXXX stating clearly that the shoes were never " worn '' by me and were returned in the EXACT same condition as shipped. Amex opened and closed the dispute 7 times and as of XX/XX/2023 rebilled me for the returned shoes. XXXX redelivered the shoes to XXXX 's XXXX shipped and were signed for on XX/XX/2023. XXXX and it's Third Party supplier in XXXX conspired to refuse the credit, both companies have been paid thru Amex, and they have the shoes to RESELL. I the Amex Cardholder have been billed and bilked for {$410.00}. Amex as of XX/XX/2023 said they have closed the dispute but do acknowledge that I have been charged for merchandise that I do not have. They agree that XXXX and the Third Party supplier have the shoes and will resell them. This is their business scam but will not reverse the charge of {$410.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX  Has Violated My Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I'm bringing this complaint because, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a repossession was handled unlawfully. 
I was expected to get certain legal documents, such as a notice of default and a right to cure notice, as well as a notice of sale after the repossession, in accordance with the XXXX regulations that apply to repossessions in XXXX. The corporation that is engaged in the repossession has not given these documents to me, even though I have asked for them. 
What took place was : I asked to see all the court records pertaining to the takeover, such as the sale notice, default notice, and right-to-cure notice. 
I have repeatedly asked the corporation for these records, but they have not been supplied. 
They are in violation of XXXX XXXX XXXX requirements by not providing these crucial documents, depriving me of my right to appropriate notification and redress.
Product: Credit card

The XXXX XXXX BB & T offer I opened a XXXX account for was 90 days of triple points for new XXXX card accounts. At about 70 days, the triple points stopped being posted to my account. I contacted them and they said that the triple point days begin on the day they internally " approved '' the application in their process. However I did n't received the credit card until 2 weeks later and immediately activated it. No one can possibly use a credit card before they even get it. To base the start date on the day the application is " internally approved '' at BBT means the customer will never be able to get 90 days triple points and is dishonest.
Product: Credit card or prepaid card

I had a U.S. Bank XXXX Visa Final XXXX account that was included in Chapter XXXX bankruptcy, the bankruptcy proceedings started in XX/XX/ 2019, and the debts were discharged in XX/XX/2019 by the Honorary Judge. However, I keep {$400.00} in funds that I can't withdraw at all. In consultation with the court, the {$400.00} is not due to the US bank because the debit has been discharged, so it is no longer for collection, payment or liquidation, since the bankruptcy  process is fully closed today, however exhausted me means of dialogue with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent accounts reporting on my credit report that I have never applied for.

One from Citibank and one from XXXX. I NEVER applied for either account. And neither account is assigned to an address I have lived at in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is using an unsigned promissory note that was created long after the original and the terms and conditions changed namely the interest rate charged. Transunion doesn't seem to really investigate at all just take the word of a company that is being sued by California, New York and Massachusets over their incompetent and fraudulent business practices. I know the CFPB does not have oversight over XXXX but it does over the three credit bureaus. Perhaps the CFPB could take the fight to the credit bureaus to keep XXXX from ruining the tens of thousands of lives that they have ruined. Transunion violates the FCRA by not verifying the debt at all just taking a fraudulent companies word for it. I am including the promissory note that has an electronic signature but no electronic consent attached. If you look at the promissory note there is no verification of who signed it, no e-mail address. How would they have even gotten my electronic consent without my e-mail anyway to send it to me or my ID. The note clearly shows in the right margin that it was created long after the loan. The interest rate was more than tripled. This loan should be paid off and the balance is all fraudulent charges. The electronic record and consent should be verified Transunion in their investigation.
Product: Debt collection

XX/XX/21 XXXX XXXX - LTD Financial Services called apparently with a robo-dialer because when I picked up the phone, it was playing a radio broadcast. I said hello multiple times and no one was there. The radio broadcast continued for over a minute until I heard someone physically hang up the phone. I called back. They refused to tell me why they called me unless I gave them the last four digits of my social security number. The supervisor said they would need to call me back to verify my identity to tell me why they were calling. I gave her permission to call me one time to tell me why they were calling me. She said she would but never called me back.
Product: Credit card

Called CareCredit because of my inflated balance after make several payments early. They told there was nothing I could do and that I would be penalized for making early payments.
Product: Credit reporting or other personal consumer reports

I am being sued in XXXX XXXX Ohio XXXX XXXX for Case Number XXXX by XXXX XXXX. They have admitted I did not open this account and it is Fraud and they are still suing me and have sold my debt to others to collect on it and file lawsuits. XXXX has not removed this fraudulent case from my credit even though they know my identity was stolen because of their data breach. I want every collections and closed negative account removed as this is further proof even on their own admission that my identity was stolen and I am suffering because they screwed up. I demand you order them to remove all of these accounts I have listed in the past and compensate me for my time and trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$350.00} ; XXXX  XXXX  XXXX Balance {$550.00} ; Original Creditor : XXXX  XXXX Balance {$0.00} ; Original : XXXX Balance : {$140.00} ; Original : XXXX Balance : {$120.00} ; Original : XXXX Balance : {$470.00} ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXX XXXX ; XXXX XX/XX/2022
Product: Student loan

I received a letter in a mail stating that I needed to contact HESC by the end of XX/XX/XXXX or they would begin garnishing my paycheck. At the end of XXXX after securing over time, I contacted HESC and I was told that I waited until the last minute and that they would move forward with garnishing my paystubs ; if I did not agree to a $ XXXX monthly " voluntary payment schedule ''. I explained that I could not afford that amount but was told if I did not accept that they would move forward with garnishing my check. 

I started making payments as followed : Date Payment Note XX/XX/XXXX {$450.00} Voluntary payment XX/XX/XXXX {$250.00} ( Garnishments started ) I was unaware XX/XX/XXXX {$310.00} ( Garnishment ) XX/XX/XXXX {$450.00} Voluntary payment, still unaware XX/XX/XXXX {$380.00} ( Garnishment ) XX/XX/XXXX {$400.00} ( Garnishment ) on XX/XX/XXXX prior to submitting my third voluntary payment ; I contacted HESC for a detailed payment breakdown. On this date I found out HESC submitted payroll garnishment of which they told me on XX/XX/XXXX. Also adding that there was nothing they could do about it. Please note : garnishments actually started on XX/XX/XXXX after I had already set up repayments with the company. When I told them I could not afford to make three sets of payments they told me to stop making the voluntary payments.

XX/XX/XXXX {$330.00} ( Garnishment ) XX/XX/XXXX {$250.00} ( Garnishment ) XX/XX/XXXX {$260.00} ( Garnishment ) XX/XX/XXXX {$280.00} ( Garnishment ) XX/XX/XXXX {$310.00} ( Garnishment ) XX/XX/XXXX {$390.00} ( Garnishment ) XX/XX/XXXX {$260.00} ( Garnishment ) XX/XX/XXXX {$320.00} ( Garnishment ) XX/XX/XXXX {$380.00} ( Garnishment ) XX/XX/XXXX {$320.00} ( Garnishment ) XX/XX/XXXX {$330.00} ( Garnishment ) I contacted my representative on XX/XX/XXXX leaving a voicemail pleading to have the garnishment released so that could consolidate all of my student loans, including those with the United States Department of XXXX. This was not my first time pleading for assistance. Prior to that date, my last set of requests were in XX/XX/XXXX and XX/XX/XXXX. I did not receive a call back. 

Today, after waiting on hold for 25 minutes, I spoke to my representative siting I would speak to consumer finance and am fully aware that releasing the garnishment is by their discretion. For the first time, since this started in XXXX I was directed to the XXXX XXXX XXXX Consolidation Program website to request consolidation. Additionally, my Representative stated the process would be faster if I submitted my last two paystubs, copy of my XXXX and a detailed financial statement. I am disturbed that help is available ASAP as soon as I mentioned consumer finance. 


Please look into this matter All proof of payments are on my paystubs - I have submitted the breakdown below but have not included my stubs with all of my personal information
Product: Mortgage

My loan was sold to PennyMac by Company XXXX on XXXX XXXX, XXXX. I received two XXXX forms from both companies in XXXX XXXX. I found that mortgage interests received from borrowers ( the numbers in box XXXX ) add up not equal to the amount I have paid in XXXX. 

So I reached out to Company XXXX, which explained to me what happened in their end and ensured me that their XXXX is correct. 

Then I contacted PennyMac on XXXX XXXX. XXXX on the customer hotline ( XXXX ) did not listen, instead she gave me an ATTITUDE that " She knows her business, but I do n't know what I am talking about. PennyMac 's XXXX is correct! '' I requested her transfer me to another customer representative. This time, a lady called XXXX XXXX ( the spelling of her first name might be wrong, but it sounded like XXXX ) claimed that she is the supervisor. After I explained my case, she gave me the same ATTITUDE. She was firm that PennyMac 's XXXX is correct and PennyMac did not receive any additional money from Company XXXX on my behalf. Eventually we had a 3-party call with the mortgage staff from Company XXXX. Finally XXXX acknowledged that the mistake was on PennyMac 's side and promised me that I will receive an updated XXXX in 3-5 business days. 

I waited till XXXX XXXX, but received no XXXX at all. So I contacted PennyMac again. This time, the customer representative, XXXX told me that ( 1 ) XXXX is NOT a supervisor ; ( 2 ) XXXX did not properly documented the case and their year-end team could not investigated into my case at all. So XXXX started over and we had another 3-party call with Company XXXX. Now I am waiting to hear back from their processing again.
Product: Credit reporting or other personal consumer reports

This is a violation of U.S. code 1681i ( 5 ) removal of inaccurate/invalidated credit information. Please remove all accounts listed below immediately. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. Please update the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

I was manipulated into sending {$580.00} to a company that promised me a loan in the amount of {$5000.00}. They are refusing to deposit the loan and/or refund the {$580.00} I sent them to obtain the loan. I was scammed out of almost {$600.00}.