23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX of XXXX, I applied for XXXX Loan Forgiveness for my student loans through my lender, Navient by submitting an application. On XX/XX/XXXX, I received a letter from Navient stating that I was denied for not meeting the eligibility requirements for XXXX for 5 years. I called to dispute this in XXXX of XXXX and spoke with a customer service representative and a supervisor. I made them aware of my specific circumstance as stated in the conditions of the XXXX Loan Forgiveness Terms through the U.S. Department of Education. 

I began XXXX in a public, low-income school district in XX/XX/XXXX immediately after I graduated from a postsecondary institution. I was hired as a full time XXXX and have taught consecutively since then. I stayed at that position until XX/XX/XXXX until I was offered a position at a different school. This school met the low-income requirements as well and I have remained in that position for 5 years since that date. I currently am on the salary schedule in my district as a 6 year XXXX as well as on the XXXX  Retirement System in Illinois. 

You can click on the link below to see those terms : https : //studentaid.gov/manage-loans/forgiveness-cancellation/teacher " The requirements state half an academic year counts as If you were unable to complete a full academic year of XXXX, that year may still be counted toward the required five complete and consecutive academic years if you completed at least one-half of the academic year ; and your employer considers you to have fulfilled your contract requirements for the academic year for the purposes of salary increases, tenure, and retirement '' To confirm my employment, a Navient representative requested a letter from my former supervisor stating that I was hired as a full-time XXXX in XXXX of XXXX. 

My former supervisor wrote a letter confirming this information and I sent the letter to Navient in XXXX of XXXX. 

In XXXX of XXXX, my application was denied again. I called Navient in XXXX of XXXX and spoke to a customer service representative and was told that the letter needed to contain my hire date in the format of MM/DD/YYYY and the Assistant Superintendent needed to write in his position next to his signature. 

My former job provided this information in the correct format and I resubmitted my application as well as the new letter XXXX of XXXX. 
cher loan forgiveness by claiming that I have not met the five year XXXX requirement. 
Today, XX/XX/XXXX, I received another denial letter from Navient claiming that I have not met the five year XXXX requirement. 

I have called and spoken to Navient 4 times today ( XX/XX/XXXX ) to dispute this after they have hung up and disconnected with me twice. I have talked to 3 customer service agents and a supervisor, who are all unaware of the terms of the program. After being put on hold, I was told by a final supervisor that I did not meet the requirements for years of XXXX and that if I submit my application again with my current employer at the end of this academic year, I will meet the requirements.
Product: Debt collection

I was entered into a loan with XXXX XXXX XXXX XXXX through Mid-country Bank back in XX/XX/XXXX. The account was paid up on time by automatic withdrawal ( which is required by their services in order to obtain the loan ) all the way up until XX/XX/XXXX. At this time I was almost done paying off the loan and was suggested to refinance the loan to borrow more when another issue aroused. When I did such the bank supposedly paid off the remainder of that loan with the new loan amount ( a roll up ). A few months later they kept calling me and sending me letters saying I still owed for the older loan and refused to delete that amount or remove it from my credit report. I was still paying on the new loan by automatic withdrawals until they kept adding interest did the prior loan at this time when my bank account was closed for fraudulent activity they closed out both my accounts and placed them on a charge account for two separate loans that are on my credit report as we speak. I feel that they have violated my military lending rights as well as predatory trying to collect a debt that was already included into a new debt. As a result of this Mid Country Bank is reporting to the credit reporting agencies that there are two outstanding debts ( charge offs ) on my credit report potentially affecting my financial records which could affect my job.
Product: Debt collection

I received my first statement from Portfolio Recovery Associates, LLC dated XX/XX/XXXX, stating that I owed {$290.00} in regards to an outstanding account after I made two purchases at XXXX XXXX in XXXX. Upon further review of all my records, this is what I was able to deduce : 1. I never received any statement ( s ) from XXXX XXXX at my address after these last two purchases were made and now i know why. Portfolio Recovery sent me a copy of an XXXX XXXX statement with a due date of XX/XX/XXXX which i had never received as it was sent to the wrong address ( XXXX instead of XXXX on my street ). 
2. From Portfolio Recovery, i also received a copy of a letter dated XX/XX/XXXX stating that XXXX XXXX  had sold the account to Portfolio Recovery. This letter was mailed to the wrong address ( XXXX instead of XXXX on my street ), and i never received it either.

3. Portfolio Recovery must have researched as i received their first statement dated XX/XX/XXXX to my correct address. 
As notes on my account specify, immediately after I read their letter, I had a few phone interactions with Portfolio Recovery regarding this outstanding account and attempted to sort out what had happened. As such, the account ended up in a status of being disputed as specified on their second statement dated XX/XX/XXXX. 
After researching my past bank statements and resolving the fact that I do have two XXXX  XXXX Visa cards ( one of which I never activated ), I do acknowledge that I did make two purchases at XXXX XXXX in XXXX for the total amount of {$88.00}. On XX/XX/XXXX for {$3.00} and XX/XX/XXXX for {$84.00}. Not having received any statements from XXXX XXXX and not having received any collection letters from XXXX XXXX, I was unaware that these two purchases were left unpaid. After receiving two Portfolio Recovery statements and various dispute resolution phone calls, I sent a check ( # XXXX ) dated ( XX/XX/XXXX ) for {$88.00} ( the amount of both original purchases ) to Portfolio Recovery in anticipation of resolving this matter quickly. As I never received any XXXX  XXXX statements and as I never received any collections letters until this one, I did not include any of the {$200.00} in accrued interest ( which is still outstanding and I am disputing ). 
I contacted the XXXX XXXX XXXX XXXX  in my city, XXXX NM and they advised me to contact you to register a complaint. They also suggested that I get my credit report to see if Portfolio Recovery had posted any adverse information. They have. Until this adverse report from them I have never received a bad credit score in my life. There is literally 32 pages of positive credit reports and the one from Portfolio Recovery ( which will remain for the next 7 years ). I feel this company was exploitive with me and over multiple phone calls made no attempt to compromise on the amount due. The interest due has thus accrued to a whopping {$200.00} which i believe to be unconscionable. 
Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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
Product: Money transfer, virtual currency, or money service

Hi This Happen To Me In About XXXX Or XXXX XXXX XXXX Wells Fargo Help Saying This And Take About My Account And I Was Only Getting A XXXX Check So I Cancelled My Account Cause Money Was Take From It And I Didn't Authorize It To Be Thanks
Product: Credit reporting or other personal consumer reports

As I previously mentioned, I believe some of the reported items are inaccurate, unverifiable, or outdated. These entries are negatively impacting my credit profile, and I kindly ask for a thorough review and appropriate action to resolve this matter. 

I respectfully request an update on the status of my dispute and urge you to address the following : 1. Confirm that a proper investigation has been conducted.

2. Provide detailed results of your investigation.

3. Remove any entries that do not meet the criteria outlined under the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

I was trying to open an account through XXXX XXXX on XXXX, and the rep advised me I couldn't open up an account there because I had XXXX closed accounts, I never banked with this institution in my life. My dad is in the service and was letting me know to get an account because I qualify cause he's XXXX. Well she said there was an account associated with my ssn # tied to some accounts and there was fraud with a savings account, I've requested documents with my signature and also requested documents that says it's me. I went thru Identity theft back in XXXX up until XXXX, there was a host of items put in my name but this bank is not even in the city or state I lived in, so I don't know how that is even possible. Please investigate and remove, and they need to remove the inaccurate info their reporting to early warning systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint against Experian complaint # XXXX thru CFPB that the XXXX  XXXX XXXX XXXX was NOT mine & must be deleted from my credit profile On XX/XX/XXXX Experian completed their investigation & deleted this account HOWEVER all of the sudden as of TODAY XX/XX/22 this account is BACK ON MY REPORT AGAIN & my score has gone down XXXX points!! 
I dont know why this is or what is wrong with Experian THIS IS NOT MY ACCOUNT, MY MORTGAGE IS WITH XXXX & ALSO I JUST SOLD MY HOUSE SO MY MORTGAGE IS PAID OFF, ANYWAY!!!!! 
I WANT EXPERIAN TO REMOVE THIS HARMFUL INCORRECT INFORMATION FROM MY CREDIT REPORT IMMEDIATELY AS I AM TRYING TRYING TO OBTAIN NEW EMPLOYMENT RIGHT NOW & THIS COULD EFFECT MY CHANCES ALSO THIS WILL INHIBIT ME FROM USING MY CREDIT THAT IS AVAILABLE TO ME!! 
I WANT THIS TAKEN OFF NOW OR I PLAN TO SEEK COMPENSATION FOR DAMAGES I HAVE INCURRED FROM THEIR INCOMPETENCE
Product: Debt collection

Multiple phone calls to self and other family members from XXXX XXXX XXXX attempting to collect on an old, SETTLED debt from XXXXXXXX XXXX XXXX Very abusive language with threats to serve papers and go to court. XXXX is settled with letter to prove, debt is also nearly XXXX XXXX XXXX and past the statute of limitations. To date, call has been made to self and XXXX family members that are not associated with this debt. XXXX messages left stating " This is your last chance, you have been placed on a schedule to have legal documents served ''. Caller ID shows XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent letters to the CFPB, Experian, XXXX and XXXX, for all of my information on my credit reports to be removed, per the FTC privacy laws under XXXX XXXX XXXX, which guarantees the safety and privacy of my personal information. After being made aware of the Social Security Data breach where more than 3 billion numbers were breached, I no longer feel that any security/blocks/freezes put in place at credit companies are safe and private. If hackers can get into a government website and obtain such critical information, hackers can certainly hack into a companies system to finish what they started. I believe it is within my right to request a 100 % clean sweep of all information included in any and all credit bureaus, including but not only, XXXX XXXX and the other 3rd party companies holding my life 's movements in their files. 51 years and XXXX pages worth to be exact. I want it gone and by law I can demand it.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XX/XX/XXXX and I was told by Equifax that they invalidated my Identity theft report because I didn't provide a copy of my social security card. No where on the FTC website nor in the law does it say that I have to mail a copy of my social security number to a credit reporting agency. Further as I have been a victim of identity theft it makes XXXX sense or logic why i would mail my SOCIAL SECURITY CARD thru the mail which is by no means secure to validate the identity theft report. Lastly Equifax does not have the authority to validate or invalidate a document from a government source namely the FTC. The supervisor i spoke to told me that " i am a phone agent and i have no information as to why our team invalidated the form but you have to refile it and resubmit it ''. When i asked for someone who could provide that information she said there is no one else i can speak to. Since this isn't my first time getting the run around i asked to speak to special handling and then i was transferred, however this is a clear attempt by Equifax to break the law and outright lie to consumers. The first rep said it was because i didn't provide my social security card, the supervisor says she has no idea... this is supposed to be the company that is safe guarding every american 's credit information??? When i was transferred to XXXX XXXX XXXX XXXX XXXX tells me the same thing as the first agent that i need to submit my Social security card when i asked him what law is he referencing that requires that he refused to answer, and said " well if you aren't going to send it that's up to you '' i repeated my question as to what law he is referencing and he said the same thing. These employees are not even trained to know what they are even talking about! However, I am submitting AGAIN another dispute with the requested information.

I was a victim of the XXXX and XXXX Data Breach and I decided to review my credit file and noticed that there are multiple inquires that i never authorized or companies that I gave permissible purpose to or was extending credit for so they have XXXX written or expressed consent to have pulled my credit report. I have already filed and FTC Identity Theft report which I have attached along with a copy of my ID and a billing statement. Please remove these inquiries as they are fraudulent and were not authorized by me. 


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

**THIS ACCOUNT WAS NOT REMOVED FROM MY REPORT ALTHOUGH I HAVE A RECORDING FROM COLLECTION COMPANY THAT THE ACCOUNT NUMBER IN XXXX IS NOT AN ACCOUNT ASSOCIATED WITH ME. Disputed two credit entries on Equifax report on XX/XX/2020. First account listed as XXXX ( account # XXXX ) and second account listed as XXXX XXXX XXXX ( account # XXXX ). Requested a deletion of the duplicate account. in my dispute. From my knowledge, I only had one account. Equifax confirmed that they verified and updated the accounts on XX/XX/2020. Both accounts remained on report. After calling the creditor and recording the conversation with the representative, it was found that only one account number was in fact associated with my name ( account # XXXX ). I requested a letter from the creditor on. XX/XX/2020 and XX/XX/2020 to confirm my correct account number and owed amount to send to bureaus and the letter request was refused. I contacted Equifax on XX/XX/2020 to state they did not validate or verify the debt because that account number ( # XXXX ) has never been associated with my name or my current account with the creditor. The representative said the creditor confirms the debt and they just update in their system. How can the. creditor state that I only have 1 account under my SSN and previous address but verify with Equifax all that I have another account number? The dispute stated duplicate account needed to be removed and the Equifax rep said they confirmed the owed amount with the creditor but not the account owner or account number. How can you confirm an amount owed without FIRST confirming the owner of the account to ensure it is reflected on the correct credit report.
Product: Mortgage

PNC Bank has failed to provide a substantive response to Case # XXXX. In support of my previous claims of abuses and overcharges is attached the consent order where CFPB has already found that National City Bank and PNC Bank have behaved in a discriminatory manner towards its customers. The mortgage I currently hold fits the settlement criteria except that I do not fit the race profile. However, I would ask that consideration be given to extending the criteria to those covered by the Servicemembers Civil Relief Act ( SCRA ) as well. In addition to the other abuses, PNC used the SCRA rate to their advantage by charging the 6 % rate when a lower rate was possible for the borrowers. I was forced to accept an inaccurate repayment plan, and I 'm not being permitted to make principal payments or having my credit report updated so the abuse continues even after repayment has occurred.
Product: Checking or savings account

To whom it may concern, I have been facing hardship for over the last two months due to fraudulent charges that were made using my TD bank Visa debit card, wiping my checking account clean. Fraudulent charges were made on my checking account totaling in {$2800.00}. 
The transactions were wire transfers using the company " XXXX XXXX ''. The transactions were {$300.00} on XX/XX/XXXX, {$990.00} and {$610.00} on XX/XX/XXXX, {$130.00}, {$94.00}, {$500.00} on XX/XX/XXXX. There was one more transaction for {$200.00} made on XX/XX/XXXX. This account was mostly used to make deposits in order to save up for housing and a vehicle. TD bank has not helped at all and I have not been able to speak with their fraud department. They have not done any investigating and basically told me to deal with the merchant myself. I have called the merchant and they have horrible customer service and have been no help.I have filed police reports and spoke to several supervisors with no resolution. 
I have never heard of the company XXXX XXXX  until I became a victim of fraud. I have never sent anyone a wire transfer in my entire life and these transactions can be proven as fraudulent, but TD bank has failed to do a proper investigation. Representatives at boss revolution have told me that there were phone calls made using my identity as well as an ID that was required when making these transactions. I would like a proper investigation to prove to TD bank that these transactions were fraudulent so that I can get my life back to normal. I worked very hard to save that amount to have it stolen and my bank has been absolutely no help. I have not been able to speak to anyone and they have done a terrible job at assisting me. I have never had such an experience with any company in my life. 
Please reach me at XXXX or my email XXXX Best regards, XXXX XXXX
Product: Debt collection

The company has added all types of fees to each of my accounts, hundred of dollars. When I ask for a itemized list of charges, they send a total of what I owe, that is it. They ignore my letters and phone calls. They have lied in court about total amt. of debt. I have received nothing but false totals since I started with them. I just want correct totals so I can pay and close the files and start anew. Please help, nothing I say has changed this company policy on how they go about collecting there debts. I have been paying monthly and still they garnished all bank accts. even my childrens ( where they got the bulk of monies ) and them while paying monthly still went ahead and garnished my wages. This is bullying me to pay more money then I have. Not a nice company at all.
Product: Debt collection

I don't know where to start. Enhanced Recovery Company began stalking me for payment of accounts in XX/XX/2018. They called me at home, at work, they called my family and friends! Finally after they threatened legal action against me, I paid them, and at the time they said all collection activity would stop, and that they would DELETE the items from my credit report. They have failed to hold up their end of whatever " bargain '' they coerced me into! I DEMAND SOME FORM OF JUSTICE! HAVEN'T I ENDURED ENOUGH FROM THESE MONSTERS? HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Product: Credit card

I have XXXX credit cards with Capital One. I do n't have cards for either account and Capital One ca n't seem to issue me any when I request them. For almost a year they have n't been able to tell me why they ca n't issue new cards. They also ca n't tell me what 's wrong with my online banking account. When I log in it shows that I owe a large balance on both cards, but both cards have XXXX balances. When I call them on the phone ( I have to call to make payments ) they say I have a XXXX balance. But when my statements come in the mail they show me owing a balance. I asked them to send me a letter confirming the XXXX balance on the cards. The letters, cards and other correspondence they promise to send never arrives. One CS rep told me my account somehow got mixed up with another customer, but no one, not even the managers, seem to know what 's going on. I wrote them and they said they were going to close the accounts. I 'm uncomfortable with them closing the accounts until this situation is sorted out as it may reflect badly on my credit report. I hope to purchase a house this summer so it 's important that I get resolution to this situation as soon as possible.