23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

For the past few years I have been almost entirely unemployed, and besides the time I was actually in college, my loans should have been under the income based repayment. I had no idea about the difference between IBR and forbearment and deferment. Instead of having my principle reduced and interest halted entirely, my student loans have increased due to deceptive behavior by Navient. Today I learned that interest should not accrue from IBR plan, and I remembered seeing an email recently about accrued interest. So I looked at my Navient account ans see DEFERMENT instead of IBR. On the IBR screen it is very tricky, it suggests I am on it because it says to contact them to exit it. All this time I thought I was on the IBR plan. It turns out, I was scammed. Also, it's not possible to proceed with IBR because it requires certifying on the site, which pulls IRS, and since I was unemployed, there are no IRS records. Therefore it can not proceed, and Navient refuses to help.

This is only the tip of the iceberg. Years ago I had returned to school thinking that, since I was unemployed, I was under a deferment or something. Turns out all were in default. So I reconsoliated with totally wrecked credit. Unfortunately, the student loan company neglected one of the loans into the reconsolidation, so years later after that I learned that that loan was still in default and my credit was destroyed. So, I solved that. Then the student loan company continued to report false information resulting in years of destroyed credit. Today one loan is left which will fall off my report in two years despite them reporting a false default which was years after I solved the reconsolidation issue that had also been their fault.

This is not even mentioning that their illegal practices and illegal  laws forbidding bankruptcy or any protections under the law for illegal moneylending practices and exorbitant interest.
Product: Money transfer, virtual currency, or money service

{$1300.00} was remitted through Remitly service, money want sent on XX/XX/XXXX before noon Eastern day time. Money not delivered, Remitly sent untruthful receipt and misinformation that money has been delivered
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery CO L is reporting an account from XXXX account number ending in XXXX in the balance of {$2800.00} on my credit report I have no knowledge of this account and Im asking this collection agency to furnish full proof that this belongs to me and if no proof is given within 30 days by law under FCRA this needs to be removed from all three credit bureaus immediately
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. 

Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Student loan

I called Wells Fargo in XX/XX/2019 and asked about my options during my anticipated XXXX  leave ( XXXX  due date was XX/XX/2019 ). They stated that I should call in XX/XX/2019 and my account could be placed on temporary forbearance for three months ( as I would not have any income ). My XXXX  XXXX  a month early in XX/XX/2019 and I called Wells Fargo. At that time they stated that I could only put my account on forbearance for two months ( XXXX - XX/XX/2019 ). I did not argue with them, even though they originally told me three months. They also stated that during these two months I could not release my co-signers, which I stated would not be an issue. I asked if this was possible upon starting my payments again ( which I did in XXXX ) and they said yes. I called in XXXX after my payment was made and they told me that I was unable to go co-signer release because of my forbearance. This is NOT the information they originally told me and I took it up with their executive office. Wells Fargo stated that they would call me within 10 business days to discuss this matter. I have paid my loans, on time, for 2.5 years and now I am being discriminated against for being XXXX/XXXX XXXX XXXX and not having income? This is absurd and they are not willing to work with me. I also contacted the state, who gave me your information. Please help, as I would like to release my co-signers. I asked about refinancing as well, but my payment would go UP which I can not afford. Again, this is discrimination AND false information. I am not pleased.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX and Transunion have inaccurate information reporting on my credit file in Transunion and my XX/XX/XXXX application for XX/XX/XXXXXXXX through Transunion. I already called sent a letter to have this information removed they have not removed it yet. XXXX account closed is an inaccurate report. And needs to be removed from my credit file its inaccurate the dates are incorrect the account is incorrect. And Im very upset how Transunion responded and continued to put negative inaccurate informations onto my credit file and this needs to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about Equifax allowing non-users to put a false claim on my credit report. These users are not covered by CFPB under FDCPA 15 u.s.c. 1692.The Dodd-Frank Act. I have disputed these non-users claims down through the years from XXXX  til now. The non-user claims cause me to lose a USDA rural development mortgage loan more than once. All of XXXX I have disputed these non-users false claims under FDCPA to Equifax credit reporting agency and still nothing is being done to enforce this act to protect my rights. I understand that under FDCPA rules and regulations users must be covered by CFPB. These non-users on my credit report is not covered by CFPB due to the regulation under the ACT requires that a user of the credit report must hire a separate institution from its business to collect a debt. The name of the non-users on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A legal debt collection institution has not tried to contact me of these claims. I have the right to a relief from these claims on my Equifax credit report and XXXX and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to check out a new car at XXXX after careful consideration I decided to apply for a loan for the car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX AND XXXX XXXX. I am doing all of this on my own.
Product: Debt collection

I am personally attaching an Arbitration Demand on my behalf to XXXX and Convergent Outsourcing. Do not close this complaint.
Product: Debt collection

XX/XX/2019 Creditor XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Amount of Debt {$820.00} Reference Number XXXX ERC XXXX. XXXX XXXX XXXX, FL XXXX I don't recognize this account. Someone stole my identity. I have never open this account.
Product: Checking or savings account

I recently in XXXX requested a new debit card on XX/XX/XXXX. On the XXXX of XXXX I received a notification that my spending limit for the day has been reached. I check my account and XXXX XXXX dollars is gone. I see XXXX transactions of an amount between XXXX dollars being charged to my account. With each transaction is an international fee which is why there is so many transactions. I currently am living in XXXX Texas and have not traveled or purchased anything online out of the country. I immediately at XXXX called my bank to report the claim. I explained to them how I dont even have this particular card thats being charged yet Ive just placed the order for this card. They still decided to deny the claim. I opened another claim trying to understand why this claim was denied that if they needed any additional information they should let me know. I called every week for XXXX months asking the status of the claim and if they have any questions they always say no. Wells Fargo has yet to call me. They have now continued to deny my claim. This is a lot of money for me and I never authorized or even know where these purchases came from. Wells Fargo has sent me letters saying they declined my claim and when I call they state no its still open we are having an error with our message center sending false emails. When I call the next day someone XXXX says oh yes its closed. Then leaving me to try to open a new claim. I have filled XXXX complaints and still havent received a call. Please help I feel like the company is playing around with me and trying to keep my money.
Product: Checking or savings account

I opened an account with a bank for the sole purpose of getting my bills drafted from the account. I received my stimulus check from the federal government that was issued to me from the federal government. I drove to my bank to deposit the check in my account, which seemed to be a normal process. The following morning my debit card was declined while attempting to purchase my groceries. I couldn't understand why so I checked my account online only to discover that my account was over a half million dollars in the negative, so I called the bank, only to be told that it was normal when there is a hold on a check. I still was confused, considering that it was a check from the federal government. I called my bank where the account was opened, and was told something different, so I called back the 800 number and was told that much check was fraudulent. I proceeded to tell them to let 's contact the IRS since that's who sent it, they didn't care to wan na help me resolve this. They assumed I was trying to get over on the bank. It's seemed a bit odd that everyone I know that received a stimulus check was real, but the bank wants me to believe that the federal government issued a fake check to me, or in the banks words, altered. The bank never even considered a courtesy call or email advising me that there was an issue with my account. Besides, if I passed a fake check that came from the government, I strongly encourage the bank to send the police to muff house with an arrest warrant so we can get the court proceedings on the way. The bank closed my account disregarding my monies that I already had in there. I want my money and my check back!
Product: Checking or savings account

Upon receiving my XX/XX/2019 statement from PNC Bank for checking acct number XXXX, I found that a {$21000.00}. ACH phone payment had been made to XXXX XXXX ( copy of statement page attached ). I did not authorize this payment, do not have any XXXX XXXX accounts or activity, and do not know who's XXXX XXXX Account this {$21000.00}. went to. 
I called PNC Bank customer service who said they could not reverse the payment, and suggested I call XXXX XXXX. In speaking to XXXX XXXX on 3 occasions, they told me that PNC Bank must file a FORMAL COMPLAINT, XXXX  XXXX will not deal directly with me, the account holder. Attached is the initial letter from me faxed by PNC to XXXX XXXX. PNC did not receive a response from XXXX XXXX. PNC XXXX, XXXX XXXX XXXX Branch Manager XXXX XXXX spoke to another PNC Department, and I received the attached response, again saying I should contact XXXX XXXX. 
Reaching the PNC Retail Escalation Department and  speaking to XXXX XXXX, I have requested that PNC file a FORMAL COMPLAINT per XXXX  XXXX 's instructions, but PNC has not filed a FORMAL COMPLAINT to XXXX XXXX. For the last 3 weeks, XXXX XXXX and XXXX ( last name?? ) have not returned my phone messages, and I only get voice mail now. 

PNC tells me that anyone can call with a routing number and account number that can be read on the bottom of all checks written and they will perform an ACH debit with no further verification. I can not believe this is true. I believe that PNC is now ignoring me hoping that I will absorb the fraudulent {$21000.00}. ACH phone payment.
Product: Credit reporting or other personal consumer reports

Deletion for Failure to Investigate On XX/XX/year>, Equifax publicly disclosed a data breach involving the names and other personal data of Social Security recipients. Since this breach, Equifax has been responsible for investigating and disputing inaccurate or fraudulent information, ensuring compliance with all standards under the Fair Credit Reporting Act ( FCRA ). This includes adhering to regulations for data verification, data transmission, system validation, and dispute resolution. 
Despite this obligation, Equifax, through negligence and willful misconduct, has continuously failed to conduct proper investigations into disputes filed through the Consumer Financial Protection Bureau ( CFPB ), online channels, and mailed correspondence. The CFPB has documented instances where Equifax engaged in sham investigations, failing to adequately review consumer disputes and, in some cases, even reinserting previously deleted inaccurate information into consumer credit files. This pattern of negligence is evident within my personal credit file, where multiple disputes have been ignored, and required proof for deletions was disregarded. 
Equifax was provided deletion documentation from both XXXX and XXXX but refused to take corrective action. The following accounts were officially removed by other credit bureaus yet remain improperly listed by Equifax : ACCOUNT : XXXX XXXX  ACCOUNT : XXXX XXXX XXXX XXXX  ACCOUNT : XXXX ** XXXX XXXX XXXX ACCOUNT : XXXX ** XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. XXXX ( FCRA XXXX ), Equifax has failed to properly review the provided information and has not offered any explanation for why fraudulent accounts remain on my Equifax report after removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law. 
This dispute has remained unresolved for over XXXX years without proper validation or investigation. As such, these accounts must be immediately deleted, and all associations between my personal information and these fraudulent entries must be permanently removed. 
Final Demand This is not a request for review or modification. My rights have already been violated, and I have suffered financial and emotional hardship as a result. The only acceptable resolution is the immediate deletion of these accounts, with an official deletion letter sent to : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, MI XXXX, United States This action must be completed within XXXX  days. Failure to comply will require a detailed explanation from the specialist assigned to my case, including full disclosure of the investigative process conducted. Any further failure to act in accordance with FCRA and CFPB regulations will result in legal consequences, with the responsible specialist held personally accountable for financial and emotional damages incurred.

Immediate compliance is required.
Product: Credit card

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a renewed complaint concerning my ongoing dispute with Wells Fargo Bank. I recently engaged in another conversation with them, lasting for approximately 50 minutes. In this call, Wells Fargo informed me that they have initiated the processing of four disputed transactions, providing the following claim IDs : XXXX XXXX XXXX While this may appear to be a step forward, a significant concern remains unresolved. When I inquired whether I would be required to make payments for these pending claims in the next billing cycle, Wells Fargos response was far from satisfactory. Instead of providing a clear answer, they transferred me between multiple departments, leaving me without a resolution. Ultimately, I was informed that these claims are still pending due to allegedly missing documentation. 

I must emphasize that I have diligently followed Wells Fargos prescribed process, reporting each claim over the phone and promptly supplying all requested information based on their inquiries. Despite my full cooperation, they continue to delay and avoid processing these claims. Their assertion that I havent provided necessary information is perplexing, considering that I possess the claim IDs as evidence. 

This situation strongly suggests that Wells Fargo is intentionally delaying resolution, allowing these claims to linger indefinitely. It is evident that their actions do not align with their stated commitment to promptly and transparently resolving disputes. The banks inability to address these claims raises serious concerns about their practices and their dedication to customer service. The potential for them to profit from unresolved claims, especially when they possess the requisite information, is both disheartening and unjust. 

In light of this, I implore the relevant authorities to intervene and oversee Wells Fargos activities. The banks behavior warrants a comprehensive investigation and appropriate measures to ensure they adhere to ethical practices and treat their customers with the respect they deserve. 

I sincerely appreciate your attention to this matter and your role in safeguarding consumers rights. 

Sincerely, XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/2024 SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws.

Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations. 
Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations.

Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system.

Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above.

In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law.

Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX ( XXXX ) I HAD a EPPICARD. That is a card that the government offers at the Child Support Office. My child support is suppose to be deposited onto this card. I had XXXX XXXX, therefore I was in bed for a while after XXXX. In the month of XXXX someone used my card in XXXX XXXX Nevada at a XXXX. The card was used on the same days that, I was at a doctors XXXX XXXX XXXX XXXX Ca. Same days that I was in XXXX in Ca. I submitted my other bank records to prove that I was in fact NOT in XXXX XXXX at all on these dates. In the month of XXXX my card was used again in XXXX XXXX Nevada on the same day I was in XXXX XXXX XXXX for spring break with my children. I again provided documentation of my were abouts on these dates and that I was NOT in XXXX XXXX, Nevada. The month of XXXX, the person that had my card, knew that money was deposited in the beginning of the month and that it would hit then. I was able to get a print out of my activity on the card and I can see where the person used the atm at XXXX in XXXX XXXX, to check the balance. I to was calling to check the balance and it was very funny that I never was told the money hit. Over the weekend the person took all of my child support. Monday came and I finally realized something was wrong. I called the card ( took me literally forever to get a hold of someone ) when I did I was in tears and the lady had ZERO sympathy at all. I asked her what was I going to do with XXXX kids and no child support? She said, I could file a complaint and then, MAYBE I would get some money back. Well, I STILL have NOT received anything back. The person took a total of XXXX. That is a lot of money for a single Mom, or anyone I believe. I reached out to many people that work for the card. I got nothing back!! Never a CALL, or anything. I filled out paper work, they said they never received it. I faxed it and then they denied my claim because I did not make a claim for XXXX or XXXX. However, I did not know that someone had taken my money than. I have never had access to the card online and was never able to see what the activity was or anything. So, Since all of this, I have received nothing! I have filed a claim before, but they took it down. I have reached out to a lawyer and filed a small claims lawsuit. They company was SHOCKED I was doing that. I asked them if they would let go of XXXX, XXXX and give it to me? They said, NO! I said, well I am going to fight and juggle my kids, my busy life and my health to help other single parents that have this AWFUL CARD!! Please know this, this card is a fraud!! I believe someone on the inside stole my money! The card will never give you your money back or care about you!! I will fight and never give up until justice is heard. They just hope I will go away, they never answer their phone ( I have been on hold before for two hours, for them to hang up on me ) EPPICARD IS A FRAUD!! XXXX XXXX XXXX XXXX  If anyone has had this problem please reach out to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with TransUnion about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game TransUnion permission to report anything on me? I need answers now!