23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My payment wa s ~ {$1100.00} a month from several loans totaling over {$100000.00} ( at the same bank ). I only  earned about {$20000.00} annually and could n't afford to make a payment with rent, food, and living expenses. My cosigner, my grandmother, could n't afford to help because she only earned social security that I was told only amounted to ~ {$800.00} a month.     After the bank soaked up my savings to pay these installments on time, I called them to negotiate a better loan payment that I could handle. I applied to hardship and we were both denied because " we did not make enough money ''. They instead insisted that I find a new cosigner to refinance my loans and that would lower the payment.     Sometime in XX/XX/XXXX  I got the loans refinanced with my parents as the new cosigners. This made the payment lower, but only to ~ {$900.00} a month. I moved back home to not pay rent and save money, but it rose over the course of time and is currently a t ~ {$94 0.00} a month. I still make only {$22000.00} annually and because my parents are also supporting my brother 's education and their own financial monthly payments, th e ~ {$940.00}  a month payment is too much for them to help out with.     So last month  (   XX/XX/XXXX   ) we  tried to work with hardship at this bank again, and today we were denied, but not because " we do n't make enough money '', but because " we make too much money ''. They told us they understand students ca n't make these monthly payments on their loans, so they are more interested in the financial income of the cosigners.     However, they do n't consider the monthly expenses of the cosigners or the borrowers. They look strictly at the income. My complaint is against this bank because they knew that my parents became cosigners on a loan that was n't theirs, without looking at their financial expenses, and assuming they could pay based off their income alone. They have n't been fair to us or our financial situation.
Product: Credit card or prepaid card

I believe I am a victim of identity theft. I disputed the fraudulent information on JPMCB CARD from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus and the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX )
Product: Bank account or service

I noticed on Sunday morning XXXX XXXX, 2015 that {$750.00} was missing out of my checking account and that there were XXXX transactions on XXXX XXXX and XXXX XXXX that I did not make. I opened my correspondence from TCF Bank that arrived on Saturday XXXX XXXX, 2015 and found a new check attached to a letter stating that a merchant where I used my check card had a security breach and that I should activate the new card immediately. I did so. I was told by TCF Bank that I should ask to have the fraudulent charges from the merchants reversed and to get police reports in XXXX XXXX, XXXX, and XXXX. I also had the video put on hold so that the investigators can have an opportunity to secure the video for prosecution. I have spent numerous hours on the phone with TCF Customer Service, TCF Fraud, and TCF Visa Payment Dept. I want to know ( and deserve to know ) who had the security breach. I should be told this information so that I can make an informed decision based on all the facts of whether I want to continue to do business with this merchant. The merchant should not be making this decision for me. I was also told to write a letter and put all of this information including all of my police report numbers and a statement that I did not make, authorize, or benefit in any way from these transactions. After receiving the letter, TCF would have up to XXXX business days to review the information and decide IF they were going to give me my money back. It was scheduled for the week of XXXX XXXX. XXXX XXXX XXXX aired my story on Sunday XXXX XXXX, 2015 and right before it aired a TCF representative XXXX XXXX made promises to me that he has failed to keep. He did return my money to me but not until Monday XXXX XXXX, 2015. XXXX XXXX will not tell me who had the security breach or return my phone calls or voicemail messages or follow through on any of the promises he made to me. The thieves made new check cards with my information on them and different names. They were also able to change the telephone number on my account without my permission so that so that they could authorize their own purchases. TCF told me they can not tell when they changed the phone number. I never received any notification of this change ( no email, txt, or snail letter to my house ). TCF said they would open an investigation that would take 3 days - that was on XXXX XXXX and I still have not heard anything back from them.
Product: Student loan

I attended XXXX XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX where I received a " degree '' and was promised that I would be able to find a job after completing school. I found a job on my own that paid {$14.00} an hour. My monthly student loan payments were $ XXXX {$500.00} a month. I knew this couldn't be sustained so I got a new job and worked a lot of overtime to pay these loans down. 

I'm proud of myself for being able to do that, however it would appear that if I didn't pay those loans I would just be forgiven today? 

How is that fair? I did what I was supposed to do and then some. I worked my XXXX off to do it. This whole process has kept me back financially for most of my adult life and I would just appreciate the same kind of help that is being provided to people who have not paid off their loans or not paid their loans at all. 

This is a breakdown of my XXXXXXXX XXXX loans with Navient : Principal- {$6700.00} ( Interest {$4600.00} ) Principal- {$9100.00} ( Interest {$8100.00} ) Principal- {$14000.00} ( Interest - {$16000.00} ) Navient 's response was this when I inquired about receiving some form of refund : " Thank you for contacting us regarding school XXXX XXXX XXXX XXXX 
In order to be eligible for XXXX XXXX XXXX, your loans must still be active with a balance. Refunds for private loans are only issued from the date the application is received on active private loans to the date the application review is completed. 
We appreciate the opportunity to serve you. '' Understandably, issuing a refund for the principal OR the interest accrued would be huge for my family and I. I'm not asking for the whole amount to be refunded. I just feel XXXX  because I took the initiative to pay off my student loans and now Navient is issuing refunds to people, but only if they have active loans. My loans would still be active today if I did not make large payments to pay them off. 

XXXX XXXX was shut down on XX/XX/XXXX. When I inquired about it back then Navient shut me down because they were private loans. Obviously, now things have changed. 

From XX/XX/XXXX to XX/XX/XXXX I paid Navient {$24000.00} for a student loan that got me a a degree that is completely useless. Navient wouldn't help me back in XXXX and they won't help me now.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA Experian is in violation of 15 U.S. Code 1681, S-602 right to privacy and violation of 15 U.S. Code 1681B S-604A, C-2 and violation of 15 U.S. Code 1666 B. Regarding the Comenity/ Overstock Account Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681., FCBA-The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. FACTA The Fair and Accurate Transaction Act amends the Fair Credit Reporting Act ( FCRA ) to help consumers combat identity theft ; establish national standards for the regulation of consumer report information ; There are multiple violations that Experian is now responsible for. Privacy Violations-. Experian performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ). 

Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$800.00} Highest balance {$1200.00} Terms - Payment history 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is misleading and dishonest since it negligently reported false information. Please provide me with written proof that I authorized you to report anything on my consumer credit report. I called the debt collector, but they refused to give any proof ; as a result, you are reporting XXXX accounts that are fraudulent and misleading.
Product: Checking or savings account

On Tuesday, XX/XX/2019 I tried to use my debit card, but my card declined claiming there were NOT enough funds available! when i know i deposited a total of {$1300.00} in the amounts of {$580.00}, {$520.00}, and {$240.00}. I tried to do one total deposit but i had all twenties and the atm kept spitting out the money. Moving forward i called to advise the bank that there was money missing from my account and that there were some things i didnt do, the charges were a {$200.00} atm withdrawal, {$240.00} XXXX XXXX Authorized Debit Transaction, {$430.00} XXXX Authorized Debit. I DID NOT MAKE OR AUTHORIZE ANY OF THESE TRANSACTIONS. The first rep i spoke with assured me that the claim would be started and provided me {$200.00} temporary credit and claim number XXXX. Wells Fargo REFUSED to FULLY investigate my claim and it was denied in 24 hours after speaking with another rep the next morning when i called in XX/XX/19. She had the worst attitude and kept me asking me how did someone use my card while i still had the card physically ( WHICH IN FACT IS DELIRIOUS TO ME BECAUSE SHE WORKS FOR A BANK AND WORKS IN THE CLAIM DEPARTMENT AND THEY HAVE BEEN MANY INSTANCES WHEN SOMEONE HAS TAKEN A PICTURE OF A CARD AND PUT IT BACK, COPIED OR DUPLICATED THE CARD, OR STOLE IT FROM BEING USED ONLINE ). Any of the three could have happened to me which she did not even consider and accused me of being dishonest about the situation and denying my request! i made a complaint against her and was transferred to a resolution team who told me they could not do anything because the dispute is now locked and she has control of it. i asked to speak to someone higher who transferred me to someone they referred to as a supervisor. she sat on the phone with me about an hour asking every question that i had already been asked, which was fine, because i told the truth! after listening she said she would request to see the photos from the atm which i made an emphasis on because you can see me depositing the money the day before at a wells fargo atm you should be able to differentiate if it was me or not! she promised to do so and reach out within a couple hours. i know she didnt because i got an email saying the claim was resolved she reversed the XXXX temporary credit and my claim was denied! i would need WELLS FARGO to provide me the supporting documents that they have used against me in deciding to approve and deny my claim I lost a total of {$870.00} and i will not stop until i receive my hard earned money! i have even tried to offer them my work schedule to show where i was when the transactions were happening, i also tried to provide my job info to them so they can reach out for themselves they refused to take any information! i also tried to ask them to reach out to XXXX XXXX XXXX or give them an XXXX XXXX XXXX phone bill because i dont even have XXXX! ive been with my carrier for atleast two years! these are all supporting information that can be used towards my claim and they refused to use any of it! The relationship has gone down the drain and im starting to reconsider Wells Fargo As a bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this from my credit report as this account does not belong to me. I have included the identity theft report. It also says that I had a bankruptcy and I have never had a bankruptcy as confirmed by XXXX XXXX which I've also included a letter from them. Please remove this file from my report asap. 

XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Petition for XXXX XXXX Bankruptcy. 
Status updated XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and am unaware of their origins. In compliance with USC 1681g, I am formally asking for their removal within XXXX  days. Relevant documents are attached for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX. 2021 XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( EXPERIAN ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  FL XXXX XXXX Dear Sir or Madam : Good morning I have submitted a complaint on XX/XX/2021 as of XXXX. XXXX. 2021 on Experian Credit Report whats still displayed is XXXX XXXX XXXX and on XXXX  has it on there report as well named as XXXX XXXX XXXX XXXX XXXX XXXX  is the only Bureaus that removed this fraudulent item off of my credit report. The original creditors name listed is XXXX XXXX with a balance of {$320.00} Acct. Number XXXX I am writing to dispute the following information in my credit report file. I have circled the items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX XXXX account number XXXX a balance of {$320.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Theres also discrepancies on my FICO SCORE SO I ATTACHED THE DIFFERENCES IN MY ACCOUNTS THATS DISPLAYED Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or XXXX, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or XXXX, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XXXX XXXX, 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Mortgage

instead of lowering my payment when I got behind the bank got me a modification and raised my payments plus hassle me on the phone.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX Date of Birth : XX/XX/XXXX XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXXXXXX RE : XXXX  Block Request Dear Sir or Madam, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I also see XXXX other names on my credit profile which is because of the XXXX. 
I need these names blocked and removed from my Equifax credit Report XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need Equifax to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of myself attestation to you Equifax. 
Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am a XXXX veteran for 5 years. I live in a condo which Wells Fargo is foreclosing on XXXX XXXX, 2016. I have tried explaining to them I am awaiting on a decision on my appeals with Social Security XXXX and VA ( Veterans Affairs ). All I ask is to stay in the home until a decision is is reached but Wells Fargo is going ahead with the foreclosure sale. I tried to do a short sale but again there is a wall up with Wells Fargo and they will not allow me to do any of the above suggestions I just mention. I no other place to go. I have no money. I am confused and at a l lost as to what to do when it comes to my mortgage and keeping my home.
Product: Credit card

Bank of America reported a late payment due to XXXX XXXX XXXX XXXX XXXX 's felony hate crime against me, a former employee, who can not access my checking account to repay overdraft and make bill payments.
Product: Mortgage

US BANK offered us a Mortgage Forbearance for COVID financial issues which they stated we would be on a Forbearance plan and we would be able to add on our 6 months of payments to the end of our mortgage. They never ONCE stated that this would restrict us from being able to refinance. We just contacted XXXX over at XXXX XXXX XXXX  XXXX to Refinance our home and take advantage of the new low rates in which case he said we could not refinance because we are on forbearance. This was never shared with us by US BANK and had it been we would have made another decision. We want US BANK to cover the 6 months of our payments that were falsely advertised so we can refinance our home. They sold us something and did not tell us of the consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # [ XXXX ]. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your pro
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

I opened this card on XX/XX/2022 I only used {$1.00} on the card with no problem. After a few weeks of having the card, FNBO have decided to stop me from logging in to make online payments & Telephone payments. After talking to several agents, I was told I'm not allowed to make payments until I submit documentation that was requested out of no where. I felt forced to submit my private personal documents such as, my paychecks and pictures of my SSN and ID in order to pay my account and avoid being late to not impact my credit. As of this moment I do not know when is my due date and they are not allowing me to make payments on my account which will cause me to be late on payment & eventually impact my credit. Overall, I was forced to submit personal documents in order to have the ability to pay my balance, and I'm still being asked for more documentation as part of XXXX discrimination even after submitting the initial requested documents. I DO NOT want to be an FNBO customer but i'm being forced to be a customer because of the unpaid $! balance that I want to pay. My lawyer is already aware of this situation, and if this bank institution does not allow me to pay my unpaid balance and it ends up impacting my credit they will pay the price.