23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To whom it may concern, Currently, I have eleven student loans. Two student loans are with Navient Corporation and are up to date. Nine are with the Department of Education and are in default status. More than three years ago my wife and I decided to consolidate our individual student loans. We both contacted Navient by phone and set up consolidation plans. All her loans were consolidated by Navient. Unknown to me, all eleven of my loans were not consolidated. Navient only took two of the loans, so the other nine sat at the Department of Education without my knowledge. I was under the impression from Navient that all eleven had been consolidated back in XXXX. 
We filed our XXXX taxes in XX/XX/XXXX. We were to receive a refund. In XX/XX/XXXX, I received a letter from the IRS stating that they had seized, treasury offset, my tax refund because I had student loans in default. I immediately called the Department of Education and I was forwarded to their collection company, Consumer Research. I found out, by phone and online that nine of my student loans were in default since XXXX, with a principle balance of approximately {$44000.00}. Added onto the principle balance an {$8000.00} service fee by Consumer research. A total of around {$52000.00} was due. 
Over the last three years, I was under the impression that I was either paying monthly payments on my student loans or when employment was part time, Navient suggested that I either defer or do a forbearance due to economic hardship. The remaining student loans at the Department of Education sat for more than three years went into default and there was no attempt to communicate that information to me by mail, email, or phone by the Department of Education for the past three years. 
When I spoke to a representative from Consumer Research, I was certified and then told that I have three options to settle my defaulted student loans. None of which I could afford, so I have been currently working with a company called XXXX XXXX to attempt to get my student loans out of default. 
The Navient Corporation is currently being sued by five plus states including Washington, who have alleged improper actions on behalf of student loan borrowers. I have recently contacted the Washington State Attorney Generals office and filed a complaint against Navient. 
For Misallocated payments Steered me toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans Created obstacles to repayment by providing bad information Processed payment incorrectly Failed to act when I complained Harmed the credit of XXXX veterans, I am a XXXX XXXX veteran. 
The Consumer Financial Protection Agency has alleged Navient has systematically and illegally failed borrowers at every stage of repayment. 
Thank you for your time. I appreciate and am grateful for the opportunity to explain my student loan situation.
Product: Mortgage

I would like to make a complaint against Wellsfargo Home Mortgage on loan we received in XXXX. The loan we were offered was a actually 2 conventional loans and we wondering why we were not offered any assistance for down payment as a first time home owner at that time to help with a down payment. No one told us about the incentives that the bank offered to XXXX time home owners. We asked the lender if they could help with our down payment, but they said no money was available for this and instead they just put that we had {$0.00} down payment. The loan was originally. The house we were purchasing was originally sold to house by the seller for XXXX but Wellsfargo lenders and underwriters charged us XXXX for the loan. Our loan was split to two mortgages they 1.was XXXX and then they added a2nd mortgage with another lender for almost XXXX with a fixed interest of XXXX percent. We were 1st time home owner and at that time our friend who were not XXXX were getting money to help them with a down payment for their home loans and we are wondering when we asked for help why did they not offer us assistant for a down payment instead of pushing us into a XXXX loan which was were originally purchased the home from the seller for just XXXX. This is unacceptable and not justified. We were manipulated and robbed and forced into a XXXX loan for a XXXX home as that was what the seller originally sold the house for. We were stuck in 2 mortgages and forced to pay back an extra XXXX loan conventional loan with XXXX rate. We want people to be aware and we want wellsfargo to tell us why we were not offered money to help with down payment in XXXX  like others were offered
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS FAILEDTO FULLFILL ITS LEGAL OBLIGATION UNDER ACT ( FCRA ) TO CONDUCT A REASONABLE REINVESTIGATION OF DISPUTED INFORNATION ON MY CREDIT REPORT, LEAVING INACCUARATE ACCOUNT UNRESOLVED. 
IM REQUESTING INMEDIATE CORRECTIVE ACTION TO REMOVE OR AMEND THE DISPUTED ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ {$150000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Date XXXX Balance Owed : {$1800.00}, XXXX  XXXX Date Reported : XX/XX/XXXX Balance Owed : {$18000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Student loan

I have tried to contacted Nelnet XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The only day I was able to reach anyone was XX/XX/XXXX and was told by the representative they could not help because their system was down. I have attempted to access the website several times including today and it was down. They have stopped allowing comments on social media when you have a question. I have emailed on XX/XX/XXXX  and received an email stating I need to call but you can't reach anyone. I've put a complaint on here before which they supposedly addressed the issue and had an attachment but there was no addressing of the issue nor an attachment for me to review. As I type this interest is being added to my loans because they were not correctly placed in Administrative Forbearance. They have admitted to having the letters stating this needed to happen. They received those letters directly from the Department of Education and I uploaded my copies to the website on XX/XX/XXXX. My loans are all tied to Sweet v Cordona and apart of the settlement is that the loans are to be in Administrative Forbearance until the Department of Education completes the discharge. I have put in a complaint with the Department of Education. I had to go apply for the SAVE repayment plan to avoid me not making a payment hitting my credit as a delinquent account.
Product: Credit card or prepaid card

I received a XXXX XXXX XXXX  XXXX  statement in the mail that I never applied for. There was a charge for {$150.00}. This account was not opened by me on XX/XX/2022 for a purchase I never made. I called the operator number XXXX listed on the statement to protest this account being opened in my name and the operator told me that my phone number is not on file. She asked me for my phone number and I gave it to her but I think that was a mistake. She said that it was a fraudulent account and that she would send me a form in the mail from the company to fill out to contest the fraud. I am waiting for that letter but I am not confident that this is a legitimate company.
Product: Student loan

I am being overcharged on daily interest. Aidvantage takes 5 days to process a payment. In those 5 days I am still getting charged interest daily. Also, I am being overcharged interest on balances that have decreased by over {$7000.00} but the daily interest charge is the same regardless of the balance. I have tracked my daily balance since XX/XX/2023. One of my loan balances started at {$20000.00} with interest rate of 7.25 %. Since XX/XX/2023, the daily interest charge is {$2.00} on that one specific loan. The balance on that same loan is currently {$13000.00} and still gets charged {$2.00} every day. How is that possible to be charged the same amount every day when the balance has decreased by over {$7000.00}. I have XXXX loans so this is happening on each of the loans despite the balance decreasing.
Product: Credit reporting

i am unable to access any credit information from the credit bureau 's and told that my credit number doesnt match my name. i was scammed recently and my S.S.N. was involved in this process. i feel that my credit information is being used by someone other than me.
Product: Credit card

Paid off the previous balance before due date and they still charged me interest.
Product: Other financial service

Returning to the XXXX I exchanged XXXX at the Travelex XXXX at the XXXX XXXX Airport. The buy exchange rate posted was XXXX XXXX $ per XXXX. Rather than multiply that rate times XXXX ( XXXX XXXX XXXX = {$230.00} XXXX, the person at the counter divided XXXX XXXX = {$210.00} XXXX. I was shortchanged {$19.00}. I recognized this at the time ( I am an XXXX so I know these things ) but did not say anything because I had to catch a tight flight connection. My suspicion is that the person at the desk or her manager or maybe even the company does this routinely as a scam.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently created or affected due to identity theft. 
ACCOUNTS : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$57.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} INQUIRIES : XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and recognized unauthorized accounts and hard inquires on my credit report that I am certain I did not make Please provide all documents of the account that is on my credit report I never gave a written consent to report accounts that are identity theft. 
I have attached what is required to delete this account attached. 
FTC report Copy of ID and SS card. 
Current Proof of Address
Product: Checking or savings account

We noticed a charge that was not authorized on our account we immediately contacted our bank an asked they began their process to address the issue. We were told no claims against a charge that was only pending on our account can be made. We would need to wait unit it hard posted So after waiting a few days our account continued to have our normal recurring charges hit the bank. Which the bank used their own discretion to pay these items and charge us a {$36.00} overdraft fee. After waiting until the hard post, we made the claim on phone. Its been almost a week now and the merchant charges again, no stop payment was placed on the account and the merchant has yet to stop these charges. Please help me and son or both on XXXX this has been an extreme hardship our monthly payments will be deposited from the Social security administration soon and were afraid its going to just be offset by all these bank fees which are a direct resulted from a fraudulent charge that the bank refuses to address as it was reported immediately
Product: Debt collection

I recently sent a letter to Ad Astra Recovery Services requesting they provide me with physical validation regarding all account history information Ad Astra conferred to any credit bureaus for me. This was a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 { b } that their claim is disputed and validation is requested. 
This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. Yesterday I received a response letter in the mail from Ad Astra, saying that they " examined '' the account file with their " client '' and determined that the facts in reference to the debt are consistent with information provided by their " client ''. 
They then asked me to send THEM supporting documentation concerning the dispute, however did not provide any actual verification of validation. I contacted the credit bureaus today, who also confirmed that no validation of the debt was sent to them either. Since no validation was provided, I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 2 months ago ( XX/XX/2022 ) I wrote a letter to Equifax advising them that were in violation of my HIPPA rights by reporting medical information that I did not authorize in the following amounts : {$240.00} {$210.00} {$330.00} {$56.00} {$140.00} {$58.00} {$320.00} {$2400.00} {$1000.00} {$800.00} I have not heard back from them nor have they removed anything from my reports.
Product: Credit reporting

Can you tell me why this is still being reported as a 'collection ' when this debt was included in my bankruptcy filing? ( See below ). 
Reporting this as 'collections ' is a collections attempt which I believe is illegal if it was included in a bankruptcy. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX, 2010 Open - Collection/Charge-Off Open - Included in Chapter XXXX No Missed Payments {$9300.00}
Product: Checking or savings account

Wells Fargo deserves absolutely no stars. If I could rate them XXXX, I would. On the same day my son passed away, XX/XX/XXXX, Wells Fargo authorized a fraudulent {$4000.00} transaction and allowed XXXX on my account. In the midst of grieving, I happened to check my account and noticed unauthorized transactions. I immediately called the bank to file claims on the XXXX accounts I had with them at the time. 
At that moment, I had just been paid and had a total of {$4600.00} across my accounts. My account ending in XXXX ( later changed to XXXX ) held {$1200.00}. Another account ending in XXXX had {$1700.00}, and the third account ending in XXXX had {$1700.00}. Wells Fargo closed the first account due to the fraudulent {$4000.00} transaction and reissued it under a new number. On top of that, their negligence caused XXXX of my accounts to become overdrawn, and any funds people sent me through XXXX, meant to help with my sons passing, were taken by the bank. 
On XX/XX/XXXX, Wells Fargo finally issued a provisional {$4000.00} credit, admitting the fraudulent charge from a XXXX restaurant in another statemind you, I live in XXXX. Yet, during this time, I had no money to help with burying my son. From XX/XX/XXXX, to XX/XX/XXXX, I fought Wells Fargo over the {$670.00} they failed to return to me. 
On XX/XX/XXXX, I received a letter stating that the {$4000.00} provisional credit had been made final and that my claim was considered resolved. However, my claim wasnt just about the $ XXXX was about the {$670.00} discrepancy. Every time I spoke with a representative named XXXX XXXX whose last name I dont know ), I reiterated that the difference between the {$4600.00} originally in my account and the {$4000.00} credit was {$670.00}. They claimed they couldnt return the {$670.00} because they didnt see a specific transaction for that amount. I repeatedly explained that they wouldnt see a transaction for $ XXXX was simply the difference left unaccounted for. 
XXXX bank representative even verified with me over the phone the original amounts in my accounts before the fraudulent transactions occurred, yet Wells Fargo still ignored the missing {$670.00}. Their incompetence and refusal to address this issue have been infuriating and devastating. 
I share this story to warn othersWells FarXXXX stole my money. They are thieves.
Product: Credit card or prepaid card

Comenity bank has been down for weeks. They claim customers can make payments on XXXX XXXX and their phone lines. XXXX XXXX isnt working or when it does its double charging people, many of the complaints seen online and social media shows that. I get hung up on when I call their customer service number. I cant make any payments with them since the systems are down, but I have been hit with late fees during this intermittent constant downtime.
Product: Credit reporting or other personal consumer reports

I am in the process of getting pre approved for an home and while going through my credit report I noticed several accounts that are closed and still reporting. The amounts for the two accounts are {$410.00} and {$3100.00}. I called midland credit where they told me there was no account on file attached to my name. I asked midland credit management to provide proof to me in writing via email or mailed letter that the accounts do not belong to me and they told me they couldnt do that. When I disputed the accounts were not removed. According to the 15 USC 1681 law, there should not be any damages on my report. This is a defamation to my character.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. these failures align with my experience, where Experian has neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates Federal law and my rights as a consumer..
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

I got what I thought was a free product from XXXX XXXX wrinkle face cream they said all I had to do was pay shipping and handling of XXXX. The next thing I know I was charged XXXX for the same product which caused chemical burns on my face! When I called the company they told me all I had to do is have Direct Express call them with me on the phone and they would refund my XXXX. When I called Direct Express they refused to call the company and said I had to file a dispute! So I did but instead of trying to get my money back they sided with the company who charged me twice for one product! They are very rude people I never know if I'm getting The United States or overseas! I am waiting to see how this turns out! If I do not get my money back I am going to sue both companys! This is freud!
Product: Credit reporting, credit repair services, or other personal consumer reports

Got an alert that someone checked my credit report and it wasnt me
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown Inquiry XXXX XXXX XXXX XX/XX/2018 2018