23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I filed for bankruptcy 10 years ago for hardship and the bankXXXX then went under. No knowledge They knew Iputbthe lian into my bankruptcy and Sold my acct when they folded. I keep calling Navient to tell them and I am being charged over6000 in fees BC they said it was from the take over, this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. Someone has been falsely using my identification for the past 8 years without my knowledge. All the information being reported by Experian, XXXX XXXX XXXX is false. These companies have failed to show proof of items being reported.
Product: Student loan

I have been in a training program since XX/XX/2015, and filed the pertinent paperwork for deferment.

Despite doing this ( with the help of my universities - XXXX and XXXX ), Navient still charged me hundreds of dollars in interest! I have called to complain multiple times, and every time I get a representative who doesn't seem to understand the problem and has trouble communicating in English. I have also submitted documents through their website, and they seem to fall into a black hole ( and don't show up in the " sent '' section of my inbox on their site ). I have also emailed their " advocate '' at XXXX.

Please help me deal with this company, so I can get rid of this debt once and for all ( and I will never borrow money again ).
Product: Credit card or prepaid card

In XXXX I purchased canopy chairs from XXXX XXXX and used my CapitalOne to pay for them. In XX/XX/XXXX, I returned the chairs to XXXX. XXXX issued me a full refund for {$130.00}. In XX/XX/XXXX CapitalOne finally issued a credit of {$99.00}. I spoke to XXXX XXXX at XXXX, he confirmed they issued a credit for {$130.00}. XX/XX/XXXX, I mailed CapitalOne confirmation from XXXX showing the discrepancy. 

XX/XX/XXXX, I received a letter from CapitalOne, they repeated they only issued a credit for {$99.00}. However, XXXX issued a credit to them on my behalf for {$130.00}, and not {$99.00}, therefore, I should have been issued a full credit. CapitalOne is saying it is too late to issue a credit, yet they did issue a partial credit.
Product: Debt collection

I continuously received about 20-30 calls a day at my job and on my cell phone from this company. They also leave several messages a day on my voicemail which causes me not to receive other messages because no one can leave a message after they flood my voicemail. In addition, someone called my place of employment and was very rude to the person that answered.
Product: Credit card

I received an email stating that my account was subject to close due to lack of activity. 

I called Capital One a week or more before the date the account was subject to close to order a replacement card and attempt to prevent the account from closing. The representative ordered me a new card and assured me that my account would remain open and that I would receive 90 additional days to use my card. I asked multiple times if they were sure this was true, and they promised me the account would not close.

Roughly a week later, I received an email stating that my account had closed, and a day later, my new card arrived.

When I called to find out what happened, the representatives I spoke to told me there was nothing they could do and refused to be accountable.
Product: Debt collection

XX/XX/2022 XXXX XXXX  XXXX XXXX I broke my lease I was not evicted!! I paid all Utilities before leaving I was in financial hardship so I left .... I will pay for the month of XXXX witch I am responsible for the amount of XXXX but I will not pay XXXX I do have the check showing I paid utilities XXXX
Product: Credit card

I opened an card account wit Walmart in XXXX. I made my payments loyally until I lost my source of income in XXXX. When I learned I would be facing financial hardship I called Walmart Card services ( also know at the time as ge Capital ) and informed them of my circumstances and that I needed to activate my ( i.e enable ) the credit card protection program but was told that I was ineligible because I did n't have a job or by their logic a way to keep up my payments which is the reason I contacted them to being with. Thus I paid for a service I was never able to use. Somewhere along the was my account was sold or transferred to synchrony bank. So I attempted to call them after being harassed at work, at home and anywhere else I had access to a phone to resolve the debt set up a payment plan. I literally spent hours calling 'synchrony bank ' which is customer service for the card. Every single time I called I got the same automated response saying, " I 'm sorry we are not taking calls at this time. '' I called at least XXXX different phone numbers I had located for customer service and every number sent me back to that same message. I was only able to get through by contacting the fraud department ( after being on hold for over XXXX minutes ). I was then transferred to a line of synchrony bank that FINALLY PICKED UP. The man then proceeded to tell me that my account had been sold to a collection agency. He could not provide me the date this happened, or even the amount I owed. I ended up utilizing my free credit report from XXXX to see what company was reporting debt on my credit profile and saw tat my Walmart/synchrony bank/ge capital card ad been sold to XXXX. So I disputed the information reported on my account for the reason tat my original payment/hardship plan was supposed to take over payments for my card but never did. Now I am strapped wit a debt that should have been taken care of by a hardship/payment plan and that was sold without my knowledge or consent to a company that refuses to compromise with me. I am trying to et my life on track and was accepted into rad school but part of my aid package was denied because of adverse credit history reported by these companies. If synchrony/ge bank, XXXX and Walmart were never willing to work with me to repay my debt I am not sure how I was supposed to clear up this mess. There is no way I owe as much as XXXX is reporting if a program that was supposed to help me should have taken over the payment for my card until I got on my feet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Account names : XXXX XXXX XXXX XXXX amount {$9100.00} reporting on Experian/XXXX/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX amount {$0.00} that is reporting on this inaccurate information on Experian/XXXX/XXXX this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX XXXX XXXX amount {$1900.00} that is reporting on this inaccurate information on Experian/XXXX/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX XXXX XXXX/ XXXX amount {$260.00} reporting on Experian/XXXX/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
The actions that I try to take to resolve this problem was I tried contacting each company but they all never replied back or answered my mail that was sent to them.
Product: Checking or savings account

On XX/XX/2024, I called Fifth Third to request they stop payment for a company that was previously drafting my checking account directly. The rep stated they could not guarantee stop payment and, if I chose to close my account, I needed to bring the balance to XXXX  ( it was about- {$15.00} at the time ). 

On XX/XX/2024, I went to a branch asking to close my account and was told call a rep to close it over the phone after I deposited the approx. {$15.00}. I deposited the approx. {$15.00} and called a rep to close the account. The rep refused to close the account and said to call back in 24 hours to do so. 

On XX/XX/2024, the company I requested a stop payment against drafted the account, and I was charged XXXX fees for the overdraft. I went to the same branch as before and was told by another rep that the account could have been closed over the phone the day before. Still, the bank was powerless to keep the account closed or prevent the company from drafting my account from further overdrafts because they had my account/routing information. 

I waited to see how " powerless '' the bank was. 

On XX/XX/2024, the bank ( on its own ) began reversing the overdrafts the company I asked to be blocked on XX/XX/2024 from doing. I went to the same branch, again, and asked that they reverse the overdraft amount and fees as they began doing on their own and was told they would not do so. They've since sent me a letter demanding the overdraft and fees.
Product: Student loan

Issue # 1 My name is XXXX XXXX and I have been making payments on my private student loans to Navient since XX/XX/XXXX. Here is the problem : - My original principal issued on XX/XX/XXXX is {$5000.00} - My current unpaid principal is {$5500.00} - My number of payments since XX/XX/XXXX are 72 payments totaling to $ XXXX*.

* Includes {$130.00} of fees, {$4100.00} of Interest, {$1300.00} applied towards Principal.

- Total Capitalized interest by lender on my account is {$1900.00} which is disabling lowering my principal.

Navient keeps increasing the interest rate, currently 12.375 % This is absolutely 150 % UDAAP predatory practice. Navient is a thief. My lender is disabling me from ever paying off my student loan.

Issue # 2 My lender is discouraging me from releasing my cosigner due to some of their requirements to release the cosigner, while other lenders don't have these requirements : " The borrower must also provide documentation of the following : Proof of graduation or successful completion of course of study. '' I did complete those courses years ago in XX/XX/XXXX/XX/XX/XXXX but it is a hassle getting those transcripts. Yet, I didn't finish the program. Every time I call Navient about this issue, they refer me to the " form '' like it is above the Federal Lending Regulations. 
Therefore, I can't release my cosigner given all the payments I have been making, which is disabling my cosigner from getting a lower rate for a business loan for their business. 
Ultimately, this is disabling me from being financially healthy and affecting my relationship with my cosigner.

Navient doesn't seem to be an ethical lender at all. Navient is a Champion of UDAAP when it comes to lending. Shame on them. ( definitely going to XXXX ).

Per my research, Navient did the following : - created obstacles to repayment by providing bad information ; - Definitely processed payments incorrectly ; - failed to act when I complained ; - illegally cheated me out of my rights to lower payments, which caused me to overpay for my student loan ; - deceived me about requirements to release my co-signer from the loan.
Product: Credit reporting or other personal consumer reports

I have recently engaged in a dispute process with XXXX, Experian, and XXXX concerning certain entries in my credit report. The basis for my dispute lies in the inaccurate reporting and non-compliance with the METRO2 standards of the accounts in question. As you may be aware, the METRO2 Compliance system, established collaboratively by Experian, XXXX, XXXX, and XXXX, aims to ensure the precision of consumer credit reports. Regrettably, XXXX, XXXX, and Experian have not adhered to these established guidelines. 

The rationale behind this dispute pertains to inaccurately reported accounts within my credit history. It has come to my attention that notably ; XXXX, Experian, and XXXX adherence to the stipulations outlined in 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( e ) ( b ) has not been fully observed. I have diligently attempted to rectify these inaccuracies with XXXX, Experian, and XXXX 's assistance. Despite the evident misreporting of the accounts, XXXX, Experian, and XXXX has chosen not to eliminate the adverse entries from my credit report. In support of my claim, I have appended documentation reflecting my communications with XXXX, Experian, and XXXX, alongside compelling evidence substantiating the imperative removal of these negative accounts. 

I kindly request your appraisal of the furnished evidence, with the aim of facilitating the expeditious removal of the aforementioned negative items from my credit report. Your expertise in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ). due to poor customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as the did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations
Product: Checking or savings account

In XX/XX/XXXX, I received a letter from Chase that they planned to introduce a monthly service fee of {$35.00} for Chase Private Client Checking Accounts if you don't have an average beginning day balance of {$150000.00} or more in qualifying deposits and investments, or don't have a linked Chase XXXX Business Checking account. My checking account did not have this amount in qualifying deposits but I had investment accounts at JP Morgan that pushed my balance well over this limit. Regardless, the letter indicated my checking account would be transferred automatically to a Chase XXXX XXXX Checking Account. 

In XX/XX/XXXX, I received a monthly service fee of {$35.00}. In other words, Chase never transferred my account and started charging me a monthly service fee. I had over {$150000.00} in qualifying deposits and investments so I called the XXXX phone number to speak with someone in client service. After waiting on hold for over an hour, the person could not help me as they were not able to properly link my checking and investment accounts, and asked me to go to a local branch. I did so, and a banker waived the fee and said this was a common issue and the bank was attempting to fix it. 

In XX/XX/XXXX, I received another monthly service fee of {$35.00} so I stopped by the local branch again. They waived the fee and escalated my issue to a " customer complaint '' department. I received a phone call a few days later, and after a week of back and forth, the employee told me that my checking and investment accounts could not be linked and, despite my balances being over this threshold, that I would continue to be charged the XXXX XXXX monthly service fee even though Chase 's policy states otherwise. 

In XX/XX/XXXX, I received another monthly service fee of {$35.00}.
Product: Checking or savings account

XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WI XXXX ) has been playing cat and mouse to close my account and complete my Trustee to Trustee Transfer. It has been over a month since I have sent my request and they haven't been able to close my XXXX  account and complete my Trustee to Trustee transfer. They also charged me {$66.00} on a single day ( XX/XX/2019 ) and still has not closed my account. I am losing money on an alternate investment. The company should be penalized for not being able to close an account on time and charging me a customer fee and lost opportunity cost on an alternate investment opportunity I would have made by now. 

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Product: Credit reporting or other personal consumer reports

I am writing again this complaint to AMERICAN EXPRESS I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact this account is totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Debt collection

The only notification of debt I received was two text messages I reported as spam. Today I looked at my credit report and Halsted Financial ( XXXX XXXX XXXX ) has put me in collections for debt that isn't mine from a state I've never lived in : XXXX XXXX XXXX. From all my research this seems like habitual bad faith law breaking.
Product: Debt collection

There are collections reporting on my account that are not mines. This incident is involved in litigation, I never gave anyone permission to sell my information. I am getting a lawyer to sue if this incident is not solved appropriately.
Product: Debt collection

This company has given out my social security number to a third party and also on my voicemail. They have also left voicemail messages with my car information, vin number, and license plate number. To a third party. They have calling myself and my family saying they will repo my car and call my car leasing agency and tell them to repo my car. They calling for the telephone number XXXX. The company is called Warner Asset Location Services. They claim their location is in XXXX but they are location somewhere in the XXXX area.
Product: Credit reporting or other personal consumer reports

I request the immediate removal and blocking of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unfamiliar with their source. Per USC 1681g, I formally ask for their removal within XXXX days. Attached are supporting documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

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: Student loan

I filed XXXX XXXX bankruptcy in XX/XX/XXXX and at the time had private student loans serviced by AES that I was paying roughly $ XXXX. The payments on these loans were suspended during my bankruptcy and I knew they'd be returned to me after I was released. I paid off my bankruptcy early in XX/XX/XXXX and I expected payments of roughly the same amount to resume in XXXX or XXXX. When I got the letter from AES the payment was {$710.00}. I started contacting them immediately telling them that payment was a financial hardship and I wouldn't be able to make it. They insisted I had no options because I had been in a graduated repayment plan with a 20 year term that would expire 50 months. They had recapitalized the principal and interest over 50 months rather than giving me the XXXX years I should've had left. I contacted them several times between XXXX and XXXX just asking them to give me a longer term for a manageable payment. Finally in XXXX I spoke with an escalation team member who confirmed that my original balance was $ XXXX and I had made nearly $ XXXX in payments already before my bankruptcy. The balance is currently {$31000.00}. So i should've paid a total of {$49000.00} if I made all payments as agreed, but with them capitalizing the interest during my bankruptcy I'm now set to pay {$63000.00} ( approx. ) over the life of loan charging me and add'l $ XXXX in interest. Not working with me for any type of agreement is an extreme financial hardship and the credit impact of not paying on time puts my job in jeopardy. The escalation team member requested I ask the lender for exception or work out and I did that on XX/XX/XXXX and got rejected yesterday. The servicer now says I must go delinquent for them to work with me which will adversely impact my credit further keeping me in an untenable debt situation. The agents at the servicer have also told me multiple times that it was " my fault '' for getting private loans and also that because they are private loans that they don't have to do anything because they can't be XXXX. This feels abusive and predatory. I attempted to refinance with a co-signer but given the fact that I'm recently out of bankruptcy no one will lend to me.
Product: Checking or savings account

On XX/XX/XXXX I had {$600.00}, {$600.00}, {$230.00} of my unemployment go to my cashapp account and they never made available to me. On XX/XX/XXXX another {$690.00} was sent to same account and a week later nothing to this day have been sent back to unemployment or made available to me. I logged into unemployment changed my direct deposit but my back money of {$3000.00} was sent to cashapp account giving a total of {$5100.00} and still saying they dont or dont see however I received plenty of payments from unemployment to this account so the account numbers was correct so I closed account and been asking them to sent back to unemployment so they can reissue them to my new account at XXXX bank and they refuse to as of XX/XX/XXXX
Product: Checking or savings account

pnc closed my business account with XXXX in funds in the account. they will not let me withdraw and have a hold on it. they are stealing my funds. ive called countless times and no-one can answer me why there's a hold on the account.
Product: Debt collection

Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have  XXXX  accounts linked with the same account number on my credit report. Its unauthorized
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$0.00}