23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was lured into predatory lending with Navient when now the loans have not only exceeded the cost of tuition, but the interest on the loan has doubled to be higher than the disbursed amount due to being granted forbearances without being given the proper knowledge or understanding of the accrual of interest or the increase in the interest rate of the loan. Consistently, I have called Navient, to provide a co-signer release, help with payments, or better options. I've been asked " why can't I move in with family, why can't I pay more, or push me into forbearances that increased the interest on my current loans and amount due. I am out of options and can not sustainably continue to pay {$700.00} for over a year and a half, to bring the loans down, but my total amount due has not changed. Where is my money going, and why does my loan continue to increase? I can not afford this and I am so horribly tired of getting the run around. I have done my best to do right, and it has gotten me no further as I watch my loan continue to increase as I pay {$700.00} per month, consistently. 

When I enrolled at XXXX XXXX  University, we were told my single mother made too much money, and {$50000.00} was more than enough to support a family of three. We were told my only option was to enroll in both a parent-plus loan and a private loan to cover the remainder. That was in 2006. My Original Principle was {$15000.00} and has ballooned to a total interest accrued of {$42000.00} because the interest rates are set by the lender, which does not make it right or fair. 

Please help me.
Product: Debt collection

I am receiving multiple calls from this company, both from their published phone number ( XXXX ) and others, all urging me to " call for an important message. '' assuming I am XXXX  enough to call back and thus establish a " business or client '' relationship by initiating a call and speaking to them. There has been no written communication to document the nature of the purported debt. I have no outstanding debts as documented by a tri-agency credit report. This company is fishing for an opening. The multiple calls are harassing and likely based on a made up debt. 

The last call was on XX/XX/XXXX at XXXX XXXX. The last call was on XX/XX/XXXX at XXXX XXXX. This is the 5th or 6th call from this company.
Product: Debt collection

I have new information regarding CFPB complaint # : XXXX The response that was giving from this company provided me a contact number of XXXX XXXX XXXX XXXX XXXX. I called this person XX/XX/2022 with no answer. I also left a voicemail. My call still havent been returned. On XX/XX/2022 I sent this company a invoice and my affidavit of truth. Tracking # XXXX for violation my consumer rights. It was received and return receipt was signed on XX/XX/2022.
Product: Student loan

Allied Interstae has received my debt from XXXX ; however my debt has been formally disputed to XXXX prior to being sent to collections and XXXX did not validate the debt based on Fair Debt Collection Practices ActAllied Interstate is in violation of Fair Debt Collection Practices Act by communicating with me and further attempting to collect on a disputed debt in which has not been validated
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Above companies as a result of data breach in 2017 were fraudulent and should be removed from all credit agencies. Thank you for your help. 

XXXX XXXX Deposit and Discount has 10 late payments that should be removed. Payments were as a result of identity theft issues and fraudulent accounts. The late payments are causing discrimination and we are unable to refinance or get loans, credit cards, credit because of the identity theft and financial ramifications. Our lives have been ruined and we need help with clearing our name and restoring our credit.
Product: Debt collection

I checked my credit report frequently, and noticed there was a debt on there for an amount of XXXX dollars from a complex where I was a tenant in an apartment. The owners told me I would be able to break the lease with no penalties due to the condition of the apartment and months of my bathroom ceiling leaking dirty water from the above apartments toilet. I let them know in XX/XX/2020 about this issue, and they continued to send maintenance to patch up the work but not solved the problem. It wasnt until sometime in XX/XX/2020 that they finally agreed that the apartment is not livable or safe and I could break my lease with no penalties on my credit or move into another apartment. Due to the horrible living experience in this complex I decided to just leave and break my lease and they agreed that was fair. I had children and it was just not healthy to be breathing in water with other people XXXX and XXXX. I also never got a letter saying I owed anything.
Product: Student loan

I have refinanced my student loans with Citizens bank and they paid off my other loans. The payout went out on XX/XX/2021 but they never fully paid off my loans. 3 of the 4 loans were paid but they have not paid off the 4th loan yet. They claim the problem is with paperwork but yet after many calls between both loan agencies the issue has not been resolved. I have been told that they are experiencing issues with that loan provider who they did not ever pay off. I am now paying the full amount of the refinance as well as having to pay the 4th loan provider as well out of my own pocket every month. They wre double dipping and refusing to act upon it and cancel that one loan out of my refinance and give me a new monthly payment. So I am not paying the loan they never paid twice. They are ignoring my email and phone calls and are providing no help whatsoever. It has now been almost 6 months and nothing has changed. They are practicing fraudulent activity and refusing to give me my money back
Product: Student loan

On XX/XX/2020 at XXXX XXXX. I responded to an email stating that I may be eligible for the Public Service Loan Forgiveness program from XXXX. I called the number XXXX to 'find out if I was eligible '. Once connected to XXXX XXXX ( Senior Account Manger ), I was asked what I was calling about. I informed her that I wanted to check my eligibility to enroll in this federal program. She responded by asking about my FSA account email address. I said I wasn't sure which one was on file but gave her the school email I have used the past few years. She then asked for my DOB and SSN which I gave her ( thinking she was verifying me as the account holder ). She then said SHE was sending me an access code which stated the following : " FSA : Your FSA ID temporary secure code is : XXXX ... '' and I gave her that. Then a second code was sent with the same message and code being XXXX, which I gave her. She then started talking to me about my loans and stated I would be eligible to enroll in the program. We talked for about 15 minutes about the specifics on how I would consolidate my loans and change my interest rates, which would save money in the long run. After a while, I asked which branch of the government her office was in, and she said she was with a private company called DoanSolutions and that they were like XXXX XXXX XXXX XXXX for Student Loans. I then asked how much this service costs, because their business obviously isn't funded federally and she said I would have to pay a one-time fee of {$890.00} for the preparation and enrollment of my account in the PSLF program. I asked a few more questions and told her I would let her know if I would enroll or not. After hanging up the phone, I saw an email from FSA stating my log in password had been changed at XXXX XXXX ( while I was on the phone with XXXX ). I DID NOT CHANGE MY PASSWORD NOR DID I AUTHORIZE THEM TO CHANGE MY FSA PASSWORD. I immediately contacted FSA.ed.gov costumer service in a Live Chat. They helped me change my password and verified that everything was okay on that end, but this Doansolutions Representative had my DOB and SSN, which I only gave her thinking she was a federal employee. She had a chat opened on her computer that I could her giving her alerts when messages came in and I don't know who else she may have given my information to. So, 1 ) I assume they scam people by locking the costumers access to the FSA information until receiving {$890.00} and then they would provide the service they promised. 2 ) I think they may also be running a identity theft phishing scam. She sent me an email with her contact information and a link to their 'XXXX ' approved company at doansolutions.org Her contact information is : Address - XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. Phone - XXXX Ext. XXXX Email - XXXX All in all, I felt manipulated because although I didn't ask at the beginning of the phone call who she worked for, she made it seem like she needed my information to verify who I was and then changed my password without authorization or notification of any kind. I fear I may have lost my identity.
Product: Checking or savings account

Wells Fargo Bank provided a " temporary provided for negative balance prior to a stimulus payment '' to my account on XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke with a representative to explain what this was. They made it seem like because I overdrew the account within 24 hours of a stimulus payment and that the payment was pending, that the fees would temporarily be waived until the funds hit the account. I was aware that institutions were not allowed to access this stimulus payment for fees or amounts owed. The bank sent notification that the money would be taken out again in the future, once the stimulus payments ended. I did not think that there would be an amount since the withdrawal and the deposit of the funds happened while deposit was pending. I put in a complaint that is being reviewed by the complaint division of WF, because the transactions were not all made at once, they should not be taken out all at once. There was not enough clarification regarding this matter, as well as XXXX not following Federal guidelines preventing the stimulus from actually assisting. They still in fact applied fees to the stimulus payments, just deferred the date it was withdrawn. It does not negate the fact that they penalized stimulus payments just because they changed the dates and this applies financial hardship to their clients and does not comply with government mandates.
Product: Credit reporting

I submitted a formal written request directly to XXXX in a " special '' account handling department. XXXX requested that I fax her a request to place the security freeze on my credit report and advised she would process it and issue confirmation and disclosure of system generated PIN. I faxed that over 2 weeks ago. I received a notice dated XXXX XXXX, 2015 with an explanation on how to set up a security freeze. Experian has verification of identity, address for the last two years, social security number. XXXX has this documentation. I have provided this documentation over XXXX times. This is ridiculous.
Product: Mortgage

The closing was confusing and explanation of terms were vague under impression had a grant yet this was a second lien on my home here are the reasons and things that have caused issues below : 1. Loan terms for XXXX were not given yet this has been paid off in full but the bank has received funds of {$9000.00} ( please see XXXX Mortage subsidy Agreement last paragraph showing amount added of {$9000.00} ) which was added to mortgage and pay off was for {$4100.00} or there abouts with interest ( please see Discharge of Mortgage included as well ) so there is a credit due of {$4800.00} or thereabouts is owed to myself and loan be reamortized taking out MHP out. 
2. Company refused to accept legally done Appraisal on Home only after complaints relented home value is {$360000.00} loan amount owed is {$250000.00} or less now therefore as requested over and over Escrow account should be removed as requested yet again refusal. 
3. The 2nd lien of MHP has been recorded with Registry of Deeds as well 4. Loan documents said one thing yet after never being late at all payments keep going up this needs to be corrected and stop DOCUMENTS ATTACHED OF MORTGAGE SHOWING IMPORTANT ISSUES TO SHOW WHAT IS NEEDED TO FIX THE ISSUES ATTACHED TO COMPLAINT. 
Citizens bank has been sent proof of all stated below and has not responded to date due to issues in past would like all in writing and need a new Amortization Schedule done with Escrow and XXXX removed since they have been paid in full and Dscharge from them already provided and registered with Registry of Deeds as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, To be proactive about my credit score, I tried to freeze my credit account. Both Experian and XXXX  wanted me to send a copy of my Social Security card, driver license, prove of address to freeze my credit score. That is absolutely ridiculous rule made by the companies just to prevent consumers from freezing the credit. They are intentionally creating hassles and slow-down the consumers to do the right thing. 

There is absolutely no sense to freeze other people credit account. The hackers will steal the credit. They are definitely not going to freeze credit files. 

Asking us to send copies of our Social Security card and driver license is potential breach of information. Government website clearly stated that no one should get access to Social Security number unless necessary. 

It will be great if the government can make these companies change this absurd and ridiculous rule. Everyone should be able to freeze their own credit without submitting hardcopies of Social Security number, driver license, and addresses. 

To be fair, I have to say praise XXXX. XXXX  is the only company that I can freeze my credit score online. 

Thank you very much XXXX XXXX XXXX
Product: Checking or savings account

I was attending a yoga class when my car was broken into and personal items were taken from my vehicle including my purse and wallet. The person who broke into my car decided to use my debit card at a XXXX XXXX XXXX XXXX XXXX XXXX, charging over XXXX dollars. When the bank called me about the suspicious charges, I said that I did not make those charges, but I did say the card was in my possession because I did not know that my car had gotten broken into at the time. When I discovered that my car had gotten broke into, I immediately filed a police report and notified Chase. Chase gave me a temporary refund, but reversed the reimbursement, stating that in a letter the payments were authorized. When I called Chase to ask for my reimbursement, they said that there was nothing they can do about it. I have been a long time Chase customer and never had an issue with Chase, but I can not believe how unreasonable they were during this process. I could never spend that much money at a grocery store for just one transaction. I was hoping that they were able to work with me and get me my money back, but they have not contacted me since they said they would reopen the investigation on the fraudulent charges made on my card.
Product: Credit reporting

My credit report reflects XXXX accounts that I was an authorized user on these accounts. The accounts are XXXX with XXXX and XXXX account with XXXX XXXX XXXX. Upon my mother 's death the XXXX accounts were provided a copy of the death certificate. My mother was the primary account holder on these accounts. I did not have a financial responsibility on these accounts.
Product: Credit reporting or other personal consumer reports

This is what I wrote to the company and they responded with saying there has been no personal information that was compromised. 

I am writing to formally dispute my federal student loan obligations due to a significant breach of my personal and financial information. My private dat/ was compromised without my authorization, violating multiple federal laws designed to protect student records and personal privacy. Under the following legal protections, my information should have been safeguarded : Family Educational Rights and Privacy Act ( XXXX ) : Ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal information. 

XXXX XXXX XXXX ( XXXX ) : Establishes the responsibility of educational institutions and loan servicers to protect student data. 

Privacy Act of 1974 : Prohibits the unauthorized sharing of personel information held by federal agencies. 

Breach of XXXX : The unauthorized sharing of student loans borrowers ' personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data. 



Given the severity of this data breach and the failure to uphold federal protections, I formally request the immediate discharge and cancellation of my student loan debt in full. Please provide written confirmation of receipt of this dispute, as well as information regarding the next steps in the resolution process. 



I appreciate your prompt attention to this matter and look forward to you response.
Product: Credit card or prepaid card

Hello. I purchased an item from a merchant using an AMEX Serve prepaid card. The item arrives faulty merchant declined to accept return. I startes a dispute, while dispute was pending i called AMEX to check status at which a representative told me claim was approved and merchant would refund. I asked what i could do with item she said anything i want since merchant agreed to refund i gave item away. Next week i get email saying dispute was closed in merchant 's favor. So im stuck with no refund and no item.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
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 Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  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 XXXXXX/XX/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 card or prepaid card

I made a transaction with XXXX  and was charged a cash advance fee by Chase for this transaction which was not disclosed. I've never made a cash advance before and never would have made the transaction if I was aware. I asked Chase to remove the fee on a one-time basis but they refused even though I immediately paid the full cash advance balance. 

I did research this online before the transaction and found several websites that stated it's not a cash advance. Chase apparently recently updated their terms of service. I realize I am bound by this, but I am also not a lawyer. 

I realize there will also be interest on the charge which is ok but I am asking Chase to remove the excessive fee as a courtesy given that it was a mistake that I quickly rectified and given my long relationship with the bank.
Product: Debt collection

when i checked on my account with XXXX i found this reporting, Account info Account name XXXX/ASPIRE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/2022 Status Closed. {$100.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 Balance {$1500.00} Balance updated XX/XX/2022 Recent payment XXXX XXXX Monthly payment {$100.00} Credit limit {$700.00} Highest balance {$1500.00} then i recognized this is a fraud, then i called the creditor and they recognized its a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I mailed a debt verification letter to XXXX and XXXX  asking them to please send me proof of how did they verify this debt that was put on my credit profile from from MCA MANGEMENT. I have yet to get anything from them. According to the FCRA they have 30 days to respond to my request with true and accurate information. They have yet to do this. This inaccurate information is hindering me from purchasing a home. I demand that they Delete the inaccurate information off of my account immediately. They have not proven to me how the account has been verified, validated and nor if this is even my account. 

I also sent a letter to MCA MANAGEMENT COMPANY asking them to validate the debt asking for specific information to be sent back to me and they have yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts repeatedly for the a few years now with no result. ( XXXX most recent date of dispute for inaccurate reporting ) US Dept. of ED ( past the 6year statue of limitations for reporting student loans ) I have 4 of these accounts reporting to Experian alone. Two of the schools I attended were closed due to fraud ( misleading students ) I have already submitted my Borrowers Defense paperwork for both schools ( XXXX XXXX and XXXX ). All four account status are ( Collections /Charge off ) and they are showing a balance due. Also I have a new account that is not reporting to Experian witch is negatively affecting my credit score. ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kept receiving calls from a company stating that I needed to make a payment on an auto loan. I told them various times I didn't have a vehicle financed. I then decided I need to figure out what was going on. I pulled my credit report and I found a numerous of accounts open under my name that I have never opened before. Please remove these accounts off my report. 

XXXX XXXX XXXX {$1900.00} XXXX  XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXXBANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX is showing I have two open student loans. I do not. My loan was transferred from Mohela in XX/XX/year>. I have made multiple attempts with Mohela and XXXX to resolve this. I am put on hold for up to XXXX minutes with Mohela.