23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a private student loan taken out through Navient when I attended XXXX at XXXX and at first was working with them in an attempt to lower my student loan payments. Upon my decision to turn back to school many of the emloyees there encouraged me to pay {$100.00} to put my loan into forbearance for 3 months and bring all accounts current. I had been receiving emails from a XXXX who is apparently and account manager at Navient and decided to speak with him directly. I called on XX/XX/2017 at XXXX spoke with employee XXXX and told he either went home or had n't arrived and to call back in an hour. I called at XXXX the same day, was put on hold for XXXX minutes then was hung up on at XXXX. I called back immediately and spoke with a girl named XXXX who did n't give me her ID number and all of a sudden XXXX is available, in fact, " she has him right here '' she tells me. I speak with XXXX who tells me if I pay the {$100.00} my loans will go into forbearance, all accounts will be brought current and the harassing calls and payments should go away. I set up the payment with XXXX for XX/XX/2017 under the advisement of XXXX telling me to NOT let the payment happen in XXXX or else my loan would go delinquent. On XXXX/XXXX/2017 I check my bank statement to make sure they in fact did take the payment out of my account. I spoke with XXXX, employee ID XXXX at XXXX and, after putting me on hold and " checking with her manager, '' she assures me they did indeed pull the payment. Keep in mind that on XX/XX/2017 I received my federal tax return ( including XXXX $ child tax credit for my daughter ) so there was MORE than enough money in my account for Navient to withdraw the {$100.00} I had set the forbearance payment up for. Well, low and behold, I begin to receive phone calls about paying my loans again. I call back and tell them that I 've already paid the {$100.00} to place me into forbearance and they tell me that the payment was " returned '' 10 days later. So now, it 's XX/XX/XXXX, my loan has more than likely gone delinquent because they never took a payment out that I specifically called to make sure they got and my loan STILL is n't in forbearance. I finally decide to just grab my debit card and pay the {$100.00} then and there with a man from their credit dept who is apologizing profusely telling me this thing happens all the time and that payments made via automated bank payments are n't always reliable!!! Absolutely ridiculous!!! I made the payment the first week of XX/XX/XXXX. It is now XX/XX/XXXX, my accounts STILL have n't been made current as XXXX said they would be AND my credit score continues to drop for NO REASON. I also have records and bank statements showing they never even ATTEMPTED to take the payment of {$100.00} out of my account on XX/XX/2017. This is absolutely ridiculous and I 've honestly had enough with this unprofessional, rude and lying financial lender. They need to make this right for my sake and the hundreds of others they continue to take advantage of every day.
Product: Mortgage

Bank of America has failed to send payment to me after checks they sent me were returned to them or XXXX XXXX or XXXX Bank. These checks were returned by XXXX as I no longer lived at the address where they sent them. XXXX XXXX XXXX calls and tells me that Bank of America will reimburse me {$360000.00} yet I have received nothing : FACT : XXXX XXXX XXXX XXXX XXXX calls ( XX/XX/XXXX XXXX tell me I will be receiving checks for {$360000.00}. B of A calls and tells me same. Due to loan servicing errors and equity I will be receiving check/checks from RUST soon. We know that as many as XXXX people are in the same position as me. LOST CHECKS, RETURNED as UNDELIVERABLE Sent to wrong person. Most of them were found and paid. 

FOIA Paragraph from Letter of XX/XX/XXXX from XXXX XXXX XXXX FOIA request through my letter to head of XXXX XXXX XXXX XX/XX/XXXX. 

" The OCCs enforcement action that led to your payment originated from examinations conducted in the fourth quarter of XXXX and is described in the report available at http : XXXX. The consent orders involving your specific servicer are also available online at http : //www.occ.gov/independentforeclosurereview '' XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX of XXXX XXXX and XXXX of XXXX XXXX XXXX
Product: Debt collection

I received a letter from Wilber & Associates dated XX/XX/XXXX. This apparently is a collection letter. Their client is XXXX XXXX. ( Letter attached ) The letter states I owe XXXX XXXX {$2600.00}. On XX/XX/XXXX I sent a debt validation letter to Wilber & Associates. ( Attached ) I received a letter from Wilber+ dated XX/XX/XXXX. ( Attached ) The debt was not validated. They simply state I am responsible for a person who roared into a parking space as I was exiting my vehicle in a mall parking lot garage. Wilber stated their client, XXXX XXXX believes I am responsible for someone crashing into my fathers parked vehicle. I was not driving the vehicle, it was parked. I wrote a letter to XXXX XXXX on XX/XX/XXXX advising them to contact my father who is the registered owner of the vehicle as their client is at fault for damages to his vehicle and the incident was their clients fault. There were no police reports involved. I dispute this debt of {$2600.00} as I do not owe it. In addition Wilber & Associates does not have a business license to conduct business in the state of Arizona. Obviously XXXX XXXX turned this amount over to collection without sending me any information as to this incident.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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

XXXX WESTLAKES FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL DID HARD INQUIRIES AND REPORTED THEM ON MY CREDIT ON XXXX WITHOUT MY PERMISSION OR CONSENT
Product: Credit reporting or other personal consumer reports

I have never done business with the debt collection company, more importantly the alleged debt is not owed as it was paid. I request that credit bureaus do a through investigation before slapping a debt on a credit report. Attached are the details showing the debt was cleared. Please remove this negative information from my credit file as it does not depict an accurate description of my credit worthiness. I ask this be removed in 7 business days or I plan to pursue legal action against the credit bureau for their reporting without proper validation of the debt. The company has never owned the debt nor have they provided proper verification as they can not provide documentation.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX - XXXX I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Mortgage

I contacted Pen Fed to obtain a preapproval letter for a mortgage to be able to continue my home search as we begin to emerge from Covid 19 lockdown. I spoke at length with XXXX XXXX who assured me that she would be the loan officer who would work with me from that point on. I understand Pen Fed had an influx of mortgage applications as I was on hold for 3 hours the previous day. After speaking with XXXX on XX/XX/XXXX, I was assured that I would receive disclosures and the pre-approval letter in a few hours - no later than end of day. I know they ran my credit when I was on the phone with XXXX. I finally received disclosures a few days later but no pre-approval letter. I called at end of day XX/XX/XXXX. I left several voicemails for XXXX ( XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX ), sent emails requesting call back/info on XX/XX/XXXX and XXXX. I never received anything from them via email or phone. The last step I took was to contact the mortgage department on XXXX requesting a supervisor/manager to call me back. I never heard from the " escalation '' team. 

I have a few complaints that need to be addressed : 1 ) I was provided false information by XXXX as it pertains to : the loan rate ( she told me that the VA rate would be 2.75 % ) ; {$0.00} down payment required even though I was asking for information on mortgages greater than {$800000.00} ( according to XXXX XXXX and XXXX - the VA loan still requires a deposit on the loan amount that is above the county limits set by the VA ) ; 2 ) No one from Pen Fed has returned my calls or emails since they took all my personal information to begin the mortgage process on XX/XX/XXXX at XXXX despite several attempts from me to reach anyone at Pen Fed .
Product: Prepaid card

XX/XX/XXXX - I received the card and my first payment from the XXXX XXXX. I activated the card. I tried to access the website to access my money and transfer this money to my bank account. After trying to make an account, it leads to a dead link that does not work and has no security ; it seems to be a placeholder link and has not been working for people for months, as people try to work out this problem on online forums. One solution is to create an account on the XXXX app, associated and using the same system as the ComData portal. I tried this, and there is an error regarding the security question. It doesnt work. 

XX/XX/XXXX - The website and the app still does not work. I reached out to the ComData company via a phone call and was supposed to be directed to an agent. I was instead held on hold I dont know for how long, but the phone call lasted XXXX minutes with me talking to an automated text system for about a minute to be put on hold. I tried adding the card to my XXXX account, causing me numerous issues with XXXX. I can not withdraw using XXXX. I emailed customer service wanting either an explanation or a fix to my issues. They have not replied to me despite a week passing. 

XX/XX/XXXX - The website and the app still does not work. After researching the reviews on the app, I learned that many people have been having the same problems as me for weeks, maybe even longer. I decided to withdraw {$40.00} from an ATM to see if it works, and the fee is {$2.00} to withdraw my own money within the network/system. This is the only way to access the money as the card can not be added to XXXX XXXX or XXXX or XXXX. Its impossible to transfer it directly into a bank because the website and portal does not work. 

There is no physical bank to go to in person, calling will result in long holds, and people online are trying different methods to go around the broken website and system, all for naught. 

XX/XX/XXXX - Since I got the card, I have tried every day to make an account to access the funds on my card. Ive tried so often, Ive memorized my card number. The Website still does not work, the app still does not work, and it doesnt seem like they have any plans on fixing it as its been broken for a long time. Customer service is terrible if they even exist for you to talk to.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00}
Product: Checking or savings account

I have a CD with One West Bank in the amount of {$310000.00} that matured on XXXX. One West Bank did not inform me that the CD was maturing although they have my email address and my mailing address. They told me at the time I opened the account that they will inform me when it matures and I will have a 7 days grace period to either renew or close the account. I received a letter dated XX/XX/2020 on XX/XX/2020 informing me that my CD was renewed on XX/XX/2020 at .846 %   annual rate. I called the bank and told them that I was only informed that they renewed my CD after the grace period had expired. They refuse to either let me close the account or renew at the market interest rate. They insisted that I would have to pay the penalty if I close the account or even if I renew at the market rate of interest. I feel I am being taken advantage of by a big bank.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Cell : XXXX Subject : Complaint Against I.Q. Data International , Inc. and XXXX XXXX XXXX ( XXXX  ) Dear Sir/Madam, I am writing to file a formal complaint against I.Q. Data International , Inc. and XXXX XXXX Apartments ( MD ) regarding their attempts to collect a debt from me that is unjustified and based on inaccurate information. 

I recently received a notification letter from I.Q. Data International , Inc. on behalf of the creditor XXXX XXXX XXXX ( XXXX  ), stating that I owe a debt of {$1100.00}, including interest due of {$67.00}. This debt allegedly stems from my tenure at the aforementioned apartment complex. 

However, I must clarify that I disputed the amount charged by XXXX XXXX XXXX last year after my move out. I personally met with the Manager at the complex located at XXXX XXXX XXXX, XXXX XXXX, where I resided. During our meeting, the Manager acknowledged the discrepancy and agreed to lower the amount owed. He assured me that he would send a mail confirming the adjusted amount, but unfortunately, I never received any such correspondence. 

Despite the Manager 's acknowledgment of the issue and promise of resolution, XXXX. XXXX XXXX XXXX XXXX is now pursuing aggressive debt collection actions against me, including reporting my account to credit agencies. This is completely unjustified, and I feel that I am being unfairly targeted for a debt that has not been properly addressed by the creditor. 

I am deeply concerned about the potential negative impact this unjust debt collection could have on my credit score and financial well-being. Therefore, I am seeking your assistance in stopping this abusive situation and preventing any further threats of interest rate escalation. 

I request that you intervene in this matter and ensure that XXXX XXXX XXXX  provides me with a reasonable and accurate assessment of the debt owed, as previously agreed upon by their XXXX. Additionally, I urge you to take appropriate action against XXXX. XXXX XXXX XXXX XXXX for their aggressive and unjust debt collection practices. 

Thank you for your attention to this matter. I look forward to your prompt resolution and assistance in rectifying this situation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX XXXX report this report was full of so many errors and bank accounts from Wells Fargo that I have absolutely no knowledge of. I filed a complaint with XXXX XXXX whom stated to me that Wells Fargo was the data furnisher of this information falsely reporting on my XXXX XXXX report. I was a victim of identity theft and filed a complaint with the Federal Trade Commission and sent in all notarized documents to XXXX XXXX which were forwarded to Wells Fargo Bank. I requested that XXXX XXXX XXXX remove these false reporting accounts off of my XXXX XXXX report and these accounts are still reporting and reportedly came back verified by Wells Fargo. I've contacted the lawyer 's office handling the Wells Fargo class action lawsuit regarding identity theft victims which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My supporting documents backing my complaint were submitted to the law firm as well. Wells Fargo has listed these following accounts and account numbers in my name. Routing number:XXXX Account numbers : XXXX, XXXX, XXXX, and XXXX. I received two separate letters XX/XX/XXXX from Wells Fargo out of the office of identity theft operations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. From XXXX XXXX Department Manager.  Notifying me that I was a victim of identity theft. I've called them several times to resolve this with no answer back. My XXXX XXXX consumer ID number is XXXX. These accounts need to be removed from my early warnings report or I will take further legal action to resolve this if I am not assisted in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, My credit report was requested from Equifax and it was being reported that I have a XXXX score with Equifax. I have back in XXXX sent Equifax all of my information, and credit reports from other agencies as proof and yet still today I have been denied credit because I have no score with Equifax. Yet my personal information was stolen from Equifax to the sum of me receiving over 30 calls and emails since my information was obtained through their system. I have lost XXXX home loan deals because of Equifax not reporting my credit and have had to pay higher interest rate because of their frailer to report my credit history from past and present. I have written to then sent an affidavit of proof of self and credit that is being reported by other agencies to no avail. I don't know what else to do. How can a credit reporting agency refuse to report your credit history when that's the job of the business. They refuse to simply report my credit history when requested by reporting only that I have a XXXX score with them they have no history for me so they claim yet they allowed someone to hick in and steal my information all together.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XX/XX/XXXX-Date of Inquiry XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 : Also, states a consumer reporting agency can not furnish a account without written instructions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling and disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unreasonable. The CFPBS findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Money transfer, virtual currency, or money service

Paypal will not close my account. They are claiming technical difficulties and have no time frame on when it'll be fixed. I'm closing the account because of their misinformation fine of {$2500.00} they stated would happen if you're found to post " misinformation ''. I can't risk a private company draining my accounts because they don't agree with something I posted on social media or elsewhere. Paypal has since retracted their AUP and claim it was done in error. That language got in there somehow and someone was thinking it. I don't believe their retraction and instead think it's because of the huge backlash they received. I can't do business with this company anymore and do not want them connected with my bank and credit card accounts. This is happening to many people and actions need to be taken. Thank you for your help.
Product: Debt collection

Letter contact stating a proposal of a XXXX debt for a platinum card I'm not aware of to settle the amount of 65 % savings ofXXXX I want a : forward flow agreement : debt assignment letter Stating I have given permission to collect on this debt aand Aldo a copy of my original signature and payment
Product: Credit reporting or other personal consumer reports

After Capitol One declined my credit application on XXXX XX/XX/year>, the company sold my credit information to unauthorized third party credit companies have contacted me without my permission by telephone beginning XXXX XX/XX/year>. Unscrupulous companies such as XXXX XXXX XXXX, and two others companies where representatives refuse to provide their companies ' tax identification number and physical addresses, indicate an active scam ring that purposefully targets me.
Product: Credit reporting or other personal consumer reports

Inaccurate payment history was reported by XXXX XXXX. It all began when I requested a credit report and I discover that XXXX XXXX  reported 30 days late on my credit report, I immediately called XXXX XXXX  to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, discover the bank didn't improve inaccurate information. I have contacted all 3 credit bureaus, XXXX, Transunion, and XXXX several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to discover bank to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my XXXX credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on my credit report.