23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient is a predatory lender like XXXX XXXX whom they purchased loans from. 
My ex husband and I were manipulated in XXXX into consolidating our student loans into what is now the defunct and illegal " spousal consolidation loan ''. 

As of XX/XX/XXXX President Biden signed a law into effect that requires loan servicers to allow those of us trapped in these predatory federal student loans to separate them and consolidate them into DIRECT student loans. 

To begin this process I called the servicer whom I pay monthly ( Navient ) and where my name, social security number and banking info is all saved online. 

I was given a nasty attitude by the customer service rep who answered, and was told that I needed to have my ex husband on the phone before she could have " permission '' to speak to me. 

I explained repeatedly that this is MY loan as well and that all my banking info for payments is saved in their system and that my social security number is attached to the loans. 

I have NEVER experienced this level of nonsense in all my miserable dealings with Navient and this is the final straw for me. 

It is VERY clear to me that Navient wants to do whatever they can to ensure that those of us who've been held XXXX by Spousal Consolidation loans are not going to be able to get information from Navient. 

It is also misogynistic and sick and completely unacceptable for any representative to suggest that a woman can not get information about HER own loan and needs a MAN to be on the phone to verify she can get info about her loan.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS AND THESE ACCOUNTS SHOULD BE DELETED IMMEDIATELY CONSIDERING THEY ARE REPORTING INACCURATELY WHICH IS A VIOLATION OF FCRA.
Product: Credit card or prepaid card

Comenity Financing still has the site down for nearly all info on my three store cards with Ulta, Torrid, and Lane Bryant. They're not responsive to phone calls and also I have not received any notice from them that their sites are down and no longer processing payments or charges, I found out on my own. Their " forgiveness '' period of waiving late payment fees due to their outages has gotten extended to XX/XX/XXXX, only according to XXXX and not the store card sites, but it is XX/XX/XXXX and everything is still down and all I see is a generic error messages about outages on XX/XX/XXXX and XXXX. This is a huge issue because I do not know if my automatic payments are going to be processed and I can not view my remaining balances on these cards. Furthermore, I don't have some of the cards anymore and can not provide my card number for XXXX ( lost, not stolen ). They have no explanation for what has been going on for nearly a week now or if credit info is at risk.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violated the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Further more their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my Equifax credit report and I've disputed them several times with the companies and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXXon my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, XXXX. TU, XXXX, XXXX has violated my consumer rights and violated federal law. This is multiple letters now that I have sent attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Mortgage

On XX/XX/2021, my wife lost her job and we were unable to locate further employment for her. After struggling with payments we reached out to XXXX XXXX XXXXXXXX, XXXX XXXX, to apply for a Deed in Lieu for our house. On XX/XX/2021, we submitted the application that was emailed to me for the Deed in Lieu and I was told that someone would contact me within 30 days to begin the process. After 30 days I contacted the company and was told it had still not been assigned to a representative, and that they were escalating the issue. The escalation could take up to 5 business days, after 5 business days I contacted the company and it still was not assigned. At this point we were more than 30 days late on payments and were struggling because we needed to apply for an apartment and our credit score was affected by the late payment. At this point we had vacated the property and I called continuously to get this issue resolved. After the escalation they started telling me it could take 90 days and no one was able to give me information. I requested information from supervisors and was ignored. I worry that soon that company will foreclose on us which is something XXXX XXXX has done to people in the past.
Product: Vehicle loan or lease

On XX/XX/year> I mailed a dispute letter to Capital One Auto Finance because they are reporting my auto loan with a balance of over {$20000.00} even though this account was included in a bankruptcy and it should not longer be listed on my credit report. I requested an update because this is seriously hurting my credit but their company failed to respond. It has been over 40 days since my initial dispute and their company violated my rights under the fair credit reporting act and the bankruptcy code.
Product: Credit reporting or other personal consumer reports

I have requested verification in writing of the accuracy of this information for over 4 months now. All I receive is a comment stating that the info has been verified, with no details of written verification. Per 15 U.S. Code 1681s the credit reporting bureaus can not report inaccurate info! 

1. XXXX reports timely payments for XXXX, XXXX, XXXX and XXXX ; it shows it as open but is a CLOSED CARD as of XX/XX/XXXX! 
2. XXXX reports it was closed in XX/XX/XXXX 3. TransUnion shows it being closed in XX/XX/XXXX XXXX. This card was closed XX/XX/XXXX! 

Furthermore, TransUnion posts a 'Date Opened ' of XX/XX/XXXX and 150 days late, XXXX and XXXX post a Date Opened as XX/XX/XXXX and 120 days late on a card that was NEVER LATE because it was closed BEFORE the dates being reported as late! 

Dates last active, Dates of last payment are conflicting and inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please see attachment.
Product: Credit reporting or other personal consumer reports

I have disputed with Experian several times via mail, internet and phone. They send me emails about the FCRA, and today XX/XX/2023 they sent me an email that my dispute results are ready from disputes I filed last month XX/XX/XXXX and XXXX 2023. Upon clicking on my results, it is still highlighted orange meaning it is still pending. It has been over 30 days, and according to the FCRA you have 30 days from the time a dispute is submitted to respond by verifying, updating or removing the said information. If you can not verify the information or complete an accurate dispute in 30 days, then you must delete and remove said items from the consumers credit report. It has been more than 30 days and no results just a bunch of emails. This is hindering my credit and my ability to secure housing and jobs. Please remove this information immediately
Product: Credit card

XXXX has charged me a {$5.00} maintenance fee on a credit thst I first did not open. I kept the card although I never opened the account. Apparently the added this charge to the account back in 2007 after my fiance didn't opt out. I have repeatedly asked them to remove the charge but they will not. The claim it was apart of the agreement which I know nothing about because I didn't open the account. Even if you psy the balance off in full you still get the maintenance charge fee life which can damage your credit. They also keep charging inflated interest rates and cash advance interest for {$250.00} I withdrew off my card XXXX yrs ago. The refuses to reduce interest claiming I trest rates have gone up and they refuse ti remove the maintenance fee. Thy will not allow me to transfer the balance to a new card to avo8d the {$5.00} fee claiming my account is not eligible for a balance transfer, a interest fee waiver in the last XXXX yrs that I had the card. Thry are ripping me off thousand of dolars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS ARE CLOSED AND IT HAS BEEN HINDERING MY CREDIT REPORT. THOSE TRANSACTIONS THAT ARE BEING REPORTED WERE NOT DONE BY ME. PLEASE HAVE THESE DEROGATORY MARKS OFF MY CREDIT FILE. PLEASE REMOVE DISPUTED INQUIRIES LISTED.
Product: Checking or savings account

I have bank with Wells Fargo for couple years now some time back I found that this bank have give another person a loan for a house with my social security number as a first time buyer I try to fallow a complain with them but they never got back to me they said I need to call XXXX and the other companies to figure that out they cant give more info I have a letter from social security stating that is my social number Wells Fargo have never gave me more info on this matter.

Recently a had two transaction that were return back to me Wells Fargo said at first they waiting on the money to be release to them so they cant put them in my account but that never happen the money disappear from my account period I submitted a claim asking where the money is and they dont have an answer for it I need help on what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act- XXXX, XXXX and Transunion has violated my rights.

15 U.S.C. 1681 Section 602.1 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. 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any reason.
Product: Checking or savings account

I plan to also send the below to Capital One, but I imagine I won't receive much attention as a single complainant. 

Re : Misleading savings account names and interest rates To whom it may concern : I am a longstanding client that began a savings account in 2006 with ING Direct. I have had my more substantial savings account with you since that time, using XXXX XXXX for my checking and smaller savings accounts. A large part of why I chose XXXX, and then stayed with you, was for the interest rates. When I just went to open a savings account with you for my kids, I noticed the extreme discrepancy in interest rates between my XXXX savings account that was " grandfathered '' ( .3 % ) and the XXXX performance savings accounts ( 4.15 % ). I am extremely disappointed. 

On multiple occasions, my financial planner has asked me if I wanted to move money from Capital One into a XXXX. I always declined as I was unaware of the differences in your accounts and that my account had been changed to a very low interest rate. I never received an email, call, or flyer in the mail explaining that my old floating rate account had now been locked into this very low interest rate and that there was a new account with much better terms. Further, the extremely similar names of your savings accounts are confusing and misleading. When I XXXX XXXX savings interest rate, the performance account rate comes up at 4.15 %, not my .3 %. I feel like I have been penalized for being a long-term client and have possibly lost thousands in interest due to this change. Two years ago, I had a balance of $ XXXX in my account with you. I had no idea that my interest rate had changed. I just opened a new performance account with you today so that I could start to receive an improved rate. Please see below for the language re : the transfer. This is very misleading for a typical customer. 

From : XXXX Savings, XXXX  To : XXXX Performance Savings, XXXX The names should be more differentiated from one another and existing clients should have been notified of the opportunity to change into a better-performing savings account or should have automatically been rolled into an account with better features. 

I certainly plan to pursue this further but am open to discussion/resolution if someone reaches out. I have spoken to a manager on the phone that agreed with my points but was unable to help me further.
Product: Debt collection

Voice message attached. It violates FDCPA. The caller did n't identify the company she represents. purpose of the call and that the purpose of the call was for debt collection purposes.
Product: Credit card

Sears City bank issued me a Sears only use card. when the balance waSXXXX i ORDERED TO CANCEL IT. XXXX CARD REFUSES TO DO SO, ACCOUNT NUMBERXXXX. THE SEARS CITY BANK CARD HAS OVER XXXX SIMILAR COMPLAINTS.THE THREATHEND TO RUIN MY CREDIT.THANK YOU. XXXX XXXX, SS # XXXX PHONE XXXX.
Product: Money transfer, virtual currency, or money service

Paypal has a new scam they are doing. They have now added a immediate transfer pay option from paypal to my bank account which cost XXXX cents per transaction. I f you do not use this new transfer method then you can make a transfer using the normal transfer that takes 24-96 hours. The problem is that when you choose the normal transfer, XXXX send a pop up message reading, " the transaction now has to be reviewed by paypal because of security suspicions, and may take up to 1 hour ''. Paypal will now sit on these assets for transfer anywhere from 1 - 3 business days. They are collecting interest on consumers behalf by holding these assets for a longer period. Total new scam they have come up with. The time table that they give for review is an hour, but more that ten ( all ) have all been held for 3 - 4 business days. Not right!
Product: Debt collection

Reference number from previous complaint : XXXX Amsher Services on behalf of XXXX. Previously requested no further contact. 
Yet Amsher Services persists with mailing me letters demanding payment. 
I have previously demanded they no longer contact regarding this matter. 
Current mailing has a XXXX form for fraud dispute investigation. 
Note : I have never had XXXX services or devices. Never subscribed to or cosigned for XXXX services. Made a payment for another party. This other party defaulted on their account. XXXX fraudulently used my personal information without my permission in attempt to collect for a service that was not mine. 

There is statutorily an interstate aspect to this matter with respect to fraud. 
XXXX is in multiple states. 
Amsher Services is in Alabama. 
I live in Texas. 
The form from Amsher Services for XXXX requires a police report. 

XXXX  would not provide me any details about how my name came to be associated with this account in such a manner that would allow them to pursue a debt defaulted on by another party. 
The only name ( XXXX ) I can provide for a police report would be : XXXX and Amsher Services I contacted Amsher Services on their toll free number on XX/XX/2023 and reiterated about the facts of this situation. Paid a payment for another party, other party defaulted on the account, I was not the subscriber, did not cosign or otherwise allow my personal information to be used outside of the payment made on behalf of another party, never had any subscriptions or devices for XXXX, XXXX is attempting to commit fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage loan and discovered that Experian has been reporting someone else 's mortgage, credit card, address, spouse, and social security information on my report. I haven't had a need to apply for new credit for several years, and my other reports ( XXXX and XXXX  ) are  completely correct -- didn't feel the need to check Experian. Wish I had. So now I'm trying to dispute the five addresses that weren't mine, the spouse that isn't mine, the two credit accounts that aren't mine, and the two SSNs that aren't mine. All the while, this is holding up my own mortgage application. I filed a dispute immediately with Experian, then went a step further to contact the mortgage lender in question to resolve the dispute as quickly as possible ( 30 days is not quick enough in a tough real estate market ). My problem is not that Experian has refused to correct the information -- that is still playing out over the next 30 days -- rather my problem is that there is material damage to my life because of an inability to obtain credit when I need it directly due to Experian 's negligent handling of my credit report. Though I have followed every rule, paid every lender on time -- essentially I have done my due diligence in being a good borrower -- I'm going to suffer and Experian has no consequences to be pro-active in making sure that every number matches, lenders also have no consequences to assure the information they transmit to the bureaus is correct -- or if there are consequences, there is no recourse for the long-suffering borrower who can't get a loan.
Product: Student loan

On XX/XX/XXXX, I contacted EdFinancial to request a refund for the payments that I made during the COVID Payment Forbearance, when payments were not required. I made payments from XX/XX/XXXX- XX/XX/XXXX before my loans were transferred to XXXX. The total payment amount I made during this time period was {$26000.00}. I received no email or paper correspondence confirming that my refund request was actually submitted. On XX/XX/XXXX, I reached out to EdFinancial again to confirm that the request was submitted. I received a email back from " XXXX '' with the following message : " Our records indicate that your request was submitted on XX/XX/XXXX. Please allow 7-10 business days for review, and 60-90 days for processing your refund. We will notify you if anything else is needed. '' After over 90 days had passed, I reached out to EdFinancial again on XX/XX/XXXX. I spoke to agent " XXXX '' on their virtual chat. I was provided no further information, other than my request was still " processing. '' She was not able to give me an estimated completion date. When I asked when I should follow up again to ensure my request does not get lost, I was told " there is no need to follow up again until the request has been processed. '' My loans are currently pending transfer to XXXX, and when I asked if this would cause a problem with the processing of the refund, the agent was not able to answer this question. 

My loan balance has not increased since requesting the refund. I have received no correspondence from EdFinancial on its progress and I was given no estimated date when I should see my loan balance increase, or when the refunds would be processed. I have no physical proof than my refund was ever submitted and I have very little faith that I will get any amount of my payments back, even though the federal government has stated that these payments can be refunded.