23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have multiple student loans serviced by DEPTEDXXXX, which have been on my credit report for over a decade. These loans have been in forbearance since I graduated in XXXX, as I have been unable to secure gainful employment that would allow me to repay them. Despite this, the loans continue to negatively impact my credit report, preventing me from obtaining stable housing and even some employment opportunities, as certain employers review credit reports. 

Here are the relevant details of the loans : - Opened between XX/XX/XXXX and XX/XX/XXXX. 
XXXX  Total balances range from {$1900.00} to {$10000.00}. 
XXXX  Payments are listed as current, but the loans are still in forbearance due to my financial hardship. 

I have a child to support and have struggled to provide basic necessities, including housing, because these loans continue to limit my ability to qualify for assistance or improve my financial standing. I am requesting a review of whether these loans should remain on my credit report, as they have been in forbearance for over 11 years without progress, and are hindering my ability to achieve financial stability. 

Additionally, I have disputed these loans on my credit report in the past, but the disputes were resolved in favor of the servicer. I am seeking assistance to find a resolution, whether through removal of the loans from my report or other remedies to address this ongoing issue. 

Thank you for your help in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The following accounts have violated my rights. 1. XXXX XXXX 2. XXXX XXXX 3.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 I XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached to this dispute. They also do not have any permissible purpose to furnish my personal information to any third party. Permissible Purpose : 15 U.S. Code 1681b Permissible purpose of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding deletion of the following accounts.
Product: Checking or savings account

Good Morning, I would like to formally make a compliant with XXXX XXXX and Wells Fargo Bank. I placed a card on file on my XXXX account which has been deducting various transactions without my authorization. I contacted XXXX and they referred me to my bank. I filed a claim to my Wells Fargo bank and they mentioned that I gave authorization to XXXX. I did not give authorization to XXXX nor Wells Fargo to make these deductions. Please instruct me on how I can move forward.
Product: Debt collection

This company has reported a collection to my credit reports without contacting me first and secondly they are reporting INCOMPLETE and INACCURATE information that immediately damaged my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am a realtor and I need phone service. I went to XXXX and signed up for service and they made me get one of their phones. I went all in and of course XXXX promised the best reception. Well as soon as I got home I had nothing but trouble with their so called, " excellent service ''. I could not receive calls, text or do just about anything I needed on my phone. I had in fact missed several calls from a client ; who went with another realtor due to the inability to get a hold of me. I missed a couple of days worth of text due to the connection problem. I called XXXX and they said that they do no town the cell towers and that they are old and need to be upgraded, do their is not much they can do. This went on for several weeks until I walked into the store on XXXX XXXX in XXXX and gave them back all their equipment and told them to cancel me account. Apparently they canceled my account but never checked in the equipment. XXXX has the equipment somewhere and they want me to pay for it. OK! 
Then lets go after XXXX for the listing I lost due to no reception. Houses at let 's round it off to a easy XXXX dollars. With the 4 % commission I charge that would be {$40000.00}. Yes! I like that and I can have the client I lost show up in court. They didn't move that far away. 
You may take the {$1600.00} out of my settlement. Actually no they get nothing for this garbage.
Product: Student loan

My student loans, serviced by Navient have become unmanageable due to circumstances out of my control and now they are impacting my quality of life and causing XXXX. To be able to graduate from the University XXXX in XXXX meant that student loans were going to be a part of my future. I had no idea that they would be this heavy a burden, or that they would grow so quickly with high interest rates. Navient 's total for my loans at this time is nearly {$32000.00}. 

Over the course of my loans since XXXX, I 've struggled to afford payments and several times have been forced into forbearance or into income-driven repayment plans even though I have worked jobs since being in college. Navient would n't allow me to stay in my income-driven repayment plan. They said the reason was changing policies that were out of my control. These new payment amounts are far beyond my means, even though I do have a job. The deadlines for certain forms had passed before I even knew they existed. 

I 've done my best in keeping these loans in good order and paying them off to the best of my ability. Navient has not helped in this and at times has made it harder to understand my options or answer my questions. Unresponsive when I contact them, however Navient sometimes contacts me several times per hour 24/7. I 've asked them to limit the calls which they do not. These calls can come from all across the states. 

Further, I 've done some research online which uncovers thousands of similar complaints and other shady activity that could have impacted me over the course of my loans so far. The kind of predatory lending techniques used on me and other students is appalling. 

My loans are now bigger than they have ever been and I 'm even more worried by the fact that As Education Secretary, XXXX XXXX would n't give a XXXX about protecting my rights as a borrower and holder of student loans. 

I 'm seeking relief in the form of compensation for any fraudulent or unnecessarily aggressive lending tactics practiced by Navient. I 'm seeking relief in the form of aid and affordable options for handling my loans in the future. I 'm seeking relief in the form of an explanation as to why I have been targeted by Navient, being that student loan borrowers are some of the most vulnerable individuals with the most potential to be wasted. I 'm seeking to unite with others who have been wrongfully treated in order to find assistance and a voice.
Product: Debt collection

This debt is for a former partner. He sent his phone in to sprint to clear his debt. The agent at XXXX was from out of country doesn't even speak English told him that there was no bill. Sent him a prepaid envelope for the phone to be sent back. Then XXXX  got phones filled for collection of debt. The ex partner is no longer with me. XXXX violate policy and share my personal information and allow ex partner to do whatever he wanted with my account. I am not paying for fraud that XXXX allowed to happen.
Product: Mortgage

Due to the Covid-19 pandemic I have a decrease in my income, because of reduction in the work hours. I called several times ( 2 or 3 ) in these days my mortgage provider, FREEDOM MORTGAGE, to arrange a forbearance, according to the new CARES Act. They told me to fill in their Covid-19 Financial Hardship Notification form. Surprisingly I saw before I sent that form, that the only option they had for a forbearance request is the pay everytrhing back at once option at the next month ending the forbearance plan. I told them that there were three different forbearance options on the Consumer Financial Protection Bureau web page. On the CFPB page under the title What is mortgage forbearance? and then under the title Here are some forbearance examples to guide you, are three different forbearance options. I told Freedom Mortgage, I requested the Paused Payment Option-Paid back at End of Mortgage. That is to pause payments up to one year and pay that amount at the end of the mortgage loan. They answered me, that they only have or work with one option, that is the one payment back in full at the end of the forbearance. That is no help at all and that is what I tried to explain them. I respectfully request that FREEDOM MORTGAGE, take in account the Covid-19 hardship that I am in this moment and start to offer all of the forbearance options that are under the CFPB instruction pages. This is also a matter of the CARES Act.
Product: Checking or savings account

Chase bank have been holding my bussines funds for over a year XXXX for no reason they keep giving me excuses
Product: Payday loan, title loan, or personal loan

i had two accounts with this company. In XXXX i attempted to pay one off i called to make the pay off that was listed online they told me that the amount had changed because they had already started the process to take the next month payment out, and that the process could not be stopped. So i paid the higher amount to get the account paid off. Then in XXXX. I called to set up a automatic payment for XXXX to pay off my second account. i waited all day and there payment never went through so i called them on XX/XX/XXXX and asked them what was going on. they gave me a new amount to pay off. when i explain what had happen they said my bank declined the charge. i spent over 1 hour on the phone talking to 3 different supervisors and none of them were will to help me at all. I offered them to take them money they had started the payment with minus what the quoted me and i would pay the difference and the said no. So i went down to XXXX which is my bank they had no record of declineing any charge and i blocked all charges from this company until they decide to do buisness the right way. i am a XXXX veteran and every dollar counts to me
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the Fair Credit Reporting act XXXX Account XXXX, XXXX, XXXX, has Violated my rights. 

15 U.S.C 1680 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 without my written Instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a new account credit card with XXXX XXXX which is XXXX XXXX. Signing up for said card, I was promised they would report my account and history to all 3 Major Credit Bureaus every month. Monitoring my credit reports, I see that they have reported to only two credit bureaus, and not to Transunion. This has effected my credit score in a negative manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts or inquires listed
Product: Credit card

I have always paid this account promptly, never missing a deadline. I am uncertain why there are reports of late payments. As per 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity XXXX {$360.00} XXXX $ XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 002.142 ( b ) ( 4 ) -5 -- 1002.42 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I listed accounts to be blocked and deleted company information Transunion. Please delete the following account -- -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I signed on Federal Student loans for my son 's education that I have been paying off since XX/XX/2021 while the loans were still with XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ). The loans were then transferred to EDfinancial, where I continued to make payments on them. Earlier this year EDFinancial stated that they were moving the loans again ( internally from the sounds of it ) ; however, they missed applying one of my payments ( {$1000.00} ) before they transferred the loans to their new account ( again still with EDFinancial apparently ). I have sent three e-mails to them using their own communication system on their own website and the have only responded to the first e-mail ( basically saying give it more time ). It has nearly been three months since that payment was made to my account and I am starting to lose faith that this company is applying payment correctly and accurately. The longer this goes without being corrected the bigger problem it is going to become. Someone should probably look into their practices and efforts if they can't simply apply payments correctly. I have sent more information to them today ; however, I am not certain that I will ever get a response or my problem corrected. I am also unsure if I should attempt to make more payments since they still have yet to APPLY the last payment that they debited from my account. This is quite ridiculous. I would appreciate it if someone from the CFPB can follow up on this issue and assure me that this matter will be corrected promptly. I believe I have been patient enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
Product: Checking or savings account

I have a checking account with the Bank of America. My name is XXXX XXXX and my address is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

The Bank of America cleared a check against my account with the name on the check XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX with the check dated XXXX for $ XXXX cents. The check ( copy attached ) looks fake, is fake but has my checking account at the bottom. 

I reported the check as fraud to the Bank of America but they decline to refund the amount to my account. While their argument is that I was over the time limit to report the fraud, seperate from this the law is clear, in the case of negligence by the Bank ( which this clearly is ) the Bank is responsible and the state of limitations for fraud in California is 3 years.
Product: Credit reporting or other personal consumer reports

I'm trying to rent a home for my family and I but I keep getting denied and money is being wasted on application fees. We are currently homeless because I keep getting denied. In accordance with the fair credit reporting act this creditor has violated my rights, Under 15 U.S.C 1681 section 602 states I have the right to privacy.

Under 15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Consumer Loan

Key Bank bought out first Niagara, where my car loan was held. Checked Key Bank account, no pending debits, so I paid my {$440.00} car payment on XXXX. They autodebited {$440.00} that same day. Called 2 days later on XXXX : horrible customer service, said they would call me back when someone who could reverse charge was available. Never called back. I called them on Monday XXXX. Staff person was knowledgeable, but said I might not see the amount come back until XXXX/XXXX/16. Seemed like a long time to wait, but fine. Today, XXXX/XXXX/16 -- no money credited to my account. Called Key Bank. Was put on hold for 35 minutes ( the recording warned of 3-6 minute waits ). Was told that because I do not have a Key Bank checking account they have to mail a check, which they will do on Monday. This is a long time to wait, and I did n't get the same answer out of any XXXX people. I 'm still not convinced I will receive a check next week. Nowhere on my account can I see that auto debit is set up, but the woman on the phone assured me it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$26000.00}
Product: Debt collection

In review of my XXXX and XXXX credit reports I noticed a collection account for some type of medical claim on there. I do not know who this company is nor have I had any medical treatment. 

I contacted both XXXX and XXXX and reported identity theft on my credit files and placed a " fraud alert '' on my credit files. 

There are things still being reported that I have not clue about. 

Furthermore, I know about the new Fair Debt Collection Practice Act Regulation F law about reporting collections without notifying the consumer. No one has ever contacted me, nor have I received any communications in regards to this matter.
Product: Mortgage

Mr Cooper continues to not answer my questions and have multiple supervisors not call back. But they never forget to send threatening letters, even 24 hours after I have an hour+ long conversation with one of the supervisors. I got a hand delivered letter to my house. I immediately called the representative named XXXX at XXXX. I never received a call back. I called again with no response. 

Every time I talk to someone, they tell me different information. Previous CFPB complaints contain factual errors and mis-statements about the issues. I can't get one person to answer my call or return my call.
Product: Credit card or prepaid card

I used my credit card for XXXX duty fee refunds. The amounts credited to my card were incorrect. 

I called Chase customer service XXXX times. The first XXXX associates put me on hold and XXXX hung up and the other did not return to the call for XXXX minutes, The XXXX  associate took my complaint to forward to the back office however no one has gotten back to me. 

Since the credit was in a different currency I inquired what foreign exchange rate Chase used. The associate did not know. I asked what the XXXX credited was. The associate did not know. 

Using your card to receive a credit is no different than using your card for a charge. The associates should know this information and rectify it in an expedient manner. 

Credit card companies are dealing with peoples money and they should be transparent and knowledgeable about customers transactions. 

Chase advertises this card as No foreign transaction fees, I'm not sure if they are padding the exchange rate to disguise a unauthorized fee or whats going on.