23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a XXXX year old XXXX XXXX that works in a XXXX XXXX, here in XXXX  state ; and I feel that the amount that Navient is requesting I pay is way too high. I currently owe {$140000.00} from 1-01 DL Consolidated- subsidized ( {$42000.00} ) and 1-02 DL Consolidated- Unsubsidized ( {$100000.00} ) loans. I have made payments in the past of {$240.00}, which has not placed a financial burden on me. My income at that time was the following : XXXX, XXXX, XXXX ( per US income tax returns ). I placed the loans on forbearance because I am in the process of paying off some medical and credit card debt. That forbearance will expire in XX/XX/XXXX. My problem is that when I send in my tax income tax information to determine what I should pay, per my income driven repayment plan, Navient doesnt take into account that I have other debts ( cost of living expenses ), that I have to pay as well. Enclosed is a summary of what my monthly cost of living expenses are : Mortgage + HOA expenses= {$1300.00} Utilities= {$1300.00} ( auto insurance, cable/streaming, water+sewer, phone, storage fees, and credit card payments ) TOTAL= {$2600.00} My take home income is approximately {$2600.00} working 72 hours ( I have to work an additional 12 hours to make ends meet ( $ XXXX {$360.00} for a total monthly income of {$300.00} ). So, my total monthly income is approximately XXXX. My financial goal for XXXX is to pay off 2 of the credit cards and that would free up {$270.00} ( approximately ). Navient is telling me that if I dont submit my tax income ( that of which I will ), I will have to pay over {$1300.00} per month! Considering I just reduced my phone, and cable bill by about {$200.00} per month, ( by changing carriers, and paying off the cost of my phone ), and I bought a condo instead of renting, how am I expected to pay over $ 500.00/month ( the estimate payment to Navient AFTER submitting my tax info for the Income Driven Repayment Plan )!. I also have an issue with one of  the schools I attended- XXXX University ( XXXX , XXXX  ) - in which there is an outstanding bill for tuition for approximately {$60000.00} ( that is included in the DL loans ). The school is closing as of XX/XX/XXXX of XXXX ; I did not complete the XXXX program ( by completing the last course ), and now I cant complete it there because the school is closing. I did withdraw from the school about 2 years ago, but I had no idea that there were closing! I currently have a letter from Navient to submit another application for Income-Driven Repayment plan, that of which I have submitted. First of all, I dont understand how Navient can charge so much for repayment ( if I had that level of income, I would surely pay it! ) ; it looks like Navient is basing what I have is gross income without considering living expenses ; secondly, why should I pay for a school that is closing this year? Can that amount be deducted from my total bill? XXXX University was a private university. I can give you the account number of my Navient account if so requested, via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Equifax continue to allow a company with no standards to report the wrong information. XXXX XXXX sold my loan to XXXX XXXX XXXX. Equifax shows 2 late payments under XXXX XXXX XXXX. XXXX shows late payments under XXXX XXXX. It is the same company. 

The loan has been paid in full. Further, the company has noted that the account has never been late and that a " mechanical error '' is causing the late reporting. It has been corrected and continues to revert back to the wrong information. 

This needs to be fixed and frozen with no more updates to this account once it shows never late as the letter attached from the company shows.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage loan on XX/XX/23 and approved 1 organization to pull my credit. Because the credit bureaus sells consumers personal information, I've received over 100 calls from mortgage lenders over a 24 hour period XXXX along with text messages and emails. I use my phone for business and was overwhelmed by the amount of calls that came on my cell phone that I did not give permission to call me. It's an extreme intrusion of privacy and ridiculous of the amount of calls that came in. Of all the business that should not sell our information are the credit bureaus. They are contributing to risk of fraud and identity theft just by selling all of or information to lending predators. The calls continues day two after a full day of harassments. 

I have not taken any action against the lenders because there are far too many to keep track of.
Product: Student loan

The original consolidation loan amount in 2003 was for just over {$24000.00}. Fast forward through marriage, XXXX kids, multiple moves for job changes, LIFE. Repayment was off an on as I took time from work to raise children. My job is not high paying. Now the XXXX XXXX working with the government (? ) has garnished my wages, taking just over {$500.00} a month away from me. We already live paycheck to paycheck, and now I am not going to be able to pay my XXXX rent already. The debt they now seek for me to repay is over {$67000.00}. I am almost XXXX XXXX XXXX. I will be dead before they ever collect all of the money -- XXXX of which is compounded interest - but before that happens my children and I will be homeless and I will lose my job because of it. This is absolutely criminal. I can not believe they are permitted to do this.
Product: Money transfers

XX/XX/XXXX I had wired funds to my step brother in XXXX.I had used wire services of Citizen bank.As of today XX/XX/XXXX, 6 weeks later the funds has not been received.I had talked to various people at their wire department since XXXX have been getting conflicting answers from them at the very least and some of them were just plain rude.The XXXX people I talked to most are XXXX XXXX and XXXX ' ( who did not want to give me her last name ) .I had requested them for an identifying number so that recipient bank can trace the money.But all XXXX said was'XXXX ( intermediary bank ) told my brother to get into the recipient bank branch and CLAIM HIS MONEY '.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX WELLS FARGO BANK XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank representatives twice assured me that they removed late fees on my account. Instead, TD Bank reported my account as delinquent, damaging my stellar credit score.
Product: Debt collection

Dear Credit Collection Services, I am writing to formally dispute the debt you are reporting in connection with my credit file. I request that you validate this debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, I hereby invoke my rights under the FDCPA and demand that you cease and desist from all further communications with me. Please be advised that the term " communications '' extends beyond phone calls and emailsit also includes any reporting to credit bureaus. If you continue to report this debt to my consumer report after honoring my cease and desist request, it will constitute harassment and abuse under 15 U.S.C. 1692d. 

**Notice of Intent to Litigate : ** If this matter is not resolved promptly and to my satisfaction, I am prepared to pursue litigation. Please be aware that the costs associated with litigation may include : - Attorney fees : $ XXXX - Court costs : $ XXXX - Potential statutory and punitive damages : $ XXXX - Other associated expenses : $ XXXX These costs could potentially exceed {$10000.00}, for which Credit Collection Services may be held liable.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX XXXX. About 10 years ago, I was approached about getting {$10000.00} for a personal loan from One Main Financial in XXXX XXXX, Ca. A lot of my older friends at the cafe was approached. I have a balance of over {$6400.00} which has taken me years upon years to get to this balance. My daughter told me this is considered a predatory loan that sometimes older people who dont know any better are approached to get. They asked me to bring in my wifes information ; retirement statement, income but said she did not have to sign anything. My daughter who is now speaking on my behalf approached them to resolve and forgive the balance of the loan but they will not. I am reporting them to you and would like this off my credit report. I do t have long on this earth and I do not want my children and wife to suffer for my missteps in getting involved with a predatory loan. I appreciate you help.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding my XXXX XXXX XXXX account XXXX which was included in my bankruptcy filed on XX/XX/XXXX, and XXXX on XX/XX/XXXX. As this debt was legally XXXX, it should not reflect a balance or past-due status on my credit report. 

On XX/XX/XXXX, I filed a dispute with Experian regarding the inaccurate reporting of this account. Experian responded stating, " The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. '' However, the account status remains unchanged and continues to show a balance and past-due amount, which is a violation of the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

Investigations & Recovery had apparently been collecting on a debt for XXXX XXXX. This Debt was discharged in my bankruptcy Case # XXXX, XXXX. XXXX was giving the Stay order but instead they hired this collection agency in XX/XX/XXXX I believe in XXXX or XXXX to collect for the outstanding Balance. As this has transpired they have put not only XXXX collection entries but XXXX collection entries on my XXXX report. They had as of XX/XX/XXXX put on the report Included in Bankruptcy but refuses to remove the collection entry as it was reported after the bankruptcy was filed and the the stay order was already in place. They should have never put the entry on my collection report and it should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

We have not had services with XXXX since XX/XX/XXXX, they are saying we opened an account with XXXX on XX/XX/XXXX for the amount of {$790.00}.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '' and I have noticed on my consumer report. That I have had a bankruptcy. Which in fact, does not belong to me and need to be deleted immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies XXXX, XXXX, and Transunion have violated codes 15 U.S Code 1681 s-2 " Responsibilities of furnishes '' of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record, that I am not connected to this public record. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must be deleted within XXXX business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX, XXXX, ; XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX WI XXXX ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$88.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$9800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi cfpb I am reporting transuion for reinserting a debt that doesnt belong to me from, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have proof that it has been removed and have proof. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection. IF not removed I dont mind proceeding with litigation as I am covered with all my documents from old to present. Please remove for the exchange of violation of {$1000.00} per each and litigation.
Product: Checking or savings account

Bank closed my bank account with no reason given. After 4 plus years of business. Called to find out they refused to tell me why. They closed account with XXXX hr notice and I would not have access to my recent direct deposit.
Product: Credit reporting or other personal consumer reports

I REQUSETED THE SAID CREDIT REPORTING AGENCY REPORT FAIR AND ACCURATE PERSONAL INFORMATION ACCORDING TO THE F.C.R.A  

AS THE OTHER CREDIT REPORTING AGENCIES HAS UPDATED MY PERSONAL INFORMATION


INTENTIONALLY NOT UPDATING CORRECT INFORMATION IS A DIRECT VIOLATION OF (15 U.S.C 1681n willful non-compliance) 

WHICH COULD BE PUNISHABLE UP TO TWO YEARS IN PRISON OR A 1000.00$ FINE
Product: Debt collection

TRANSWORLD SYSTEM INC has put a derogatory remark on my credit report. I have never done business with Transworld System Inc and have no contracts and have never had any contracts with this business. Transworld System Inc has been disputed off of my XXXX and XXXX credit reports. This is a final warning against XXXX to remove this negative remark or I will have my attorney sue XXXX for damages. 


Original creditor : XXXX  XXXX account # XXXX Collection account. {$660.00} past due as of XX/XX/2024.
Product: Checking or savings account

Fist my account was froze then closed because of a check no clearings I had no clue it was going to close which resulted in my XXXX they processed and took out XXXX! recovery fee they said after telling me they didnt have the check XXXX ssid they did then resulted an eviction on myself because it sounded all to fishy landloard XXXX they had to of gave me the money after XXXX did. My account didnt have a negative balance they already mailed my XXXX ftom my account. I asked them begore all this was done if they could just let me get my XXXX check they said no. Then held it XXXX days. Here I am homeless because of this and lost my car Truist bank XXXX ga
Product: Vehicle loan or lease

I took the vehicle to the repair shop that CarHop does business with ( XXXX XXXX XXXX XX/XX/year> ) It was determined the car needed Front Strut Assembly Replacement on both sides, Flex Pipe replacement. Both services were performed. The dealership paid {$660.00} for Strut Assembly work, I paid {$160.00} for flex pipe replacement. This work was due to the fact that the car wouldn't pass Missouri State Inspection. Once I got the car back, it continued to do the same, acting as if the car was sliding while driving. A defective part was to blame. Now, it needs an alignment, then rack and pinion replacement. The alignment was authorized, but I was to pay {$100.00}. I spoke with them several times to no avail. Both managers were on vacation, the service manager refused to return calls. The car has been there since XX/XX/year>. We have come to a impasse. I purchased this car in XXXX, Kansas on XX/XX/XXXX and have made ( 2 ) timely payments of {$360.00}. Either exchange the car or refund my down payment of {$500.00}. In the past, I've purchased ( 4 ) cars from this company with no problems.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information on my credit report with Equifax. Instead of conducting a proper investigation, Equifax has repeatedly sent me stall letters and refuses to provide proof of verification. I then sent a Method of Verification request, requesting details on how they verified the disputed information. Instead of complying, they sent another generic response without actual proof. Equifax is currently being sued by the CFPB for failing to properly investigate consumer disputes, and I am experiencing the same issue. They are violating the FCRA by : - Refusing to provide proper verification of disputed accounts. - Sending generic stall letters instead of conducting a real investigation. - Continuing to report inaccurate information without verification.
Product: Bank account or service

I am running into filing a dispute with Wells Fargo Credit Card Services. I filed a dispute with them XX/XX/XXXX via the only method they allowed, fax machine. I called their primary phone number in XX/XX/XXXX to follow up and was told that I must wait 60 days to follow up. I called in today they have no record of my claim. I asked to speak with someone in the credit dispute department and was informed that is n't allowed, they only allow internal communication. It is unreasonable that the credit reporting department for such a large company does n't allow any access for consumers to contact them directly. My only alternative now is to submit my claim via fax again and start the two month wait all over in hopes that someone responds this time. This is completely unreasonable for such a large company when the credit reporting they control has such a substantial impact on their customers life.
Product: Debt collection

XXXX XXXX ] XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Georgia XXXX XXXX [ XXXX XXXX JPMCB CARD Jp Morgan & Chase Bank XXXX DE, XXXX Subject : Dispute of [ Unauthorized Charges/ Unknown Charges ] Account Number XXXX XXXX XXXX XXXX Dear XXXX JP Morgan And Chase Bank ], I am writing to formally dispute [ describe the issue, e.g., " an incorrect charge on my credit card statement dated XXXX XXXX for {$2000.00} or " an erroneous entry on my credit report '' ]. According to my records, this charge/error is inaccurate due to [ briefly explain the reason, such as " I did not authorize this transaction, '' " The amount charged is incorrect, '' or " The item was returned and refunded '' ]. 
I have attached copies of relevant supporting documents, including [ list any documents, such as receipts, bank statements, emails, or prior correspondence ], to substantiate my claim. 
I kindly request that you [ state the resolution you seek, such as " remove the charge from my account, '' " correct the error on my report, '' or " provide a detailed explanation and proof of validity '' ]. Please provide a written response confirming your investigation and the steps taken to resolve this matter. 
I appreciate your prompt attention to this issue. I expect to hear from you within [ reasonable timeframe, e.g., " XXXX days '' ] as required by applicable regulations. Should you need any further information, feel free to contact me at [ your phone number ] or [ your email address ]. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX