23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX of XXXX. 

As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 

Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at The XXXX  Institutes from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of XXXX will be discharged and my credit repaired. 

I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 

These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 

Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward forbearance? 

Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. 

Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll.

Senator Elizabeth Warren has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Credit card

On XXXX XXXX my daughter tried to send me money through Cash app however, cash app would not allow it. Once I logged into my Cash app to see whats wrong I received the message stating that my account has been terminated because I violated the terms which include gambling and soliciting. I have used my Cash app for over seven years. I have never gambled or use it for any type of soliciting services. I only use my cash app to transfer funds between me and my children, and to make purchases in store. Cash app has not told me how I filed these terms. They have not sent me anything proven that I violated the terms. I do not gamble. I have never done anything illegal in my life. I actually work for the state of Maryland. I found an appeal and on XX/XX/XXXX. I received the email stating that they still feel like I violated the terms and my account will remain closed. I have never received anything from them, proving that I violated these terms or proof of it. I have looked down my transaction history, and there is no proof of violating any terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the XXXX you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC XXXX ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC XXXX  ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC XXXX ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC XXXX. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC XXXX XXXX therefore you are not only using unfair and deceptive practices under the XXXX which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods XXXX XXXX XXXX
Product: Checking or savings account

Only two days ago I was told I have XXXX for the second time. When I was myself I received an email message that stated Chase was going into my account for the second time this year to withdraw funds for what they refer to as a temporary credit. However, I reached out to Chase in a timely manner and told them I did not want them going into my account and its not authorized for them to do so. At this point the representative on the phone kept saying it was a scam and they dont do this and I explained its happened before. I went on XXXX and even let it be known that when they do this it puts me in an overdrawn status. Currently Im homeless and this institution only cares about their money. I dont owe anything to this financial institution and the {$20.00} they ripped me off with should be placed back into my checking account along with the correction of me having an overdrawn account. I no longer want to have anything to do with this bank.
Product: Debt collection

I 'm sorry to say I don ; t have the exact date I purchased a wireless home phone from XXXX but it was in 2016. It came with a 14 day return policy no questions ask, so, because of low quality performance on the equipment I decided to return it within 7 days, remember I had 14 days to return it. So I took it in to the XXXX store here in XXXX, tx only to here them say I would owe a restock fee, that 's strange because at the time I made the purchase the sales person never once mention a restock fee, I informed them of this fact but they insisted that I owed the restock fee. The said it was in the paper work but they neglected to inform me of this. They became rude and started calling me trying to collect this restock fee but I refused because of their neglect to inform me. 
So now XXXX has turned it over to a company called Convergent XXXX XXXX the account number is .... 
XXXX I had already been in the hospital with a XXXX issue going on and did n't need this kind of non sense. Now they ( Convergent ) has reported this to XXXX  FICO 8 score further damaging my report. I want this non sense removed from my report. 
Thank you in advance for your help, I have herd you guys are great with helping people resolve issues. 
Thanks XXXX
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. In addition, this account is shown on my credit report as a CLOSED ACCOUNT WITH INACCURATE BALANCE, INACCURATE AMOUNT PAST DUE AND MINIMUM MONTHLY PAYMENT from XXXX XXXX XXXX  XXXX. I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with DETAILED INVESTEGATION OF DOCUMENTATION proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has used a method to share my information called dark patterns
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I was shopping for a new car. I ended up at XXXX XXXX XXXX XXXX XXXX  in XXXX oregon. I found a truck that I was interested in but had a large scratch on the tailgate and was missing a headrest. I gave XXXX ( salesperson ) my number and told her to let me know if they could repair the scratch and replace the missing headrest and was in my way to look at more trucks. XXXX called me about 15 minutes later stating that her manger approved the minor repairs if I come back to buy it. I returned to the dealer and started the process to purchase the vehicle. After running my credit XXXX informs me that they will not be making any repairs and it is what it is. I told her that was not the agreement and she just shrugged. After getting a manager I was told the same thing we never agreed to that. I cancelled the transaction and will never work with XXXX XXXX again but they have still pulled my credit ( probably several times as most car dealers do ) negatively affecting my score.
Product: Checking or savings account

We have received formal notices by mail just yesterday from Citibank to close our checking and savings accounts for myself, my wife, and our XXXX children ( custodial savings ) who are XXXX. We have been customers of Citibank for over 20 years and we do not understand why this is happening. On top of the checking and savings, we have a number of primary credit cards from Citibank, a mortgage for our primary home, investment/securities accounts as well as securities based loan and all of these accounts are highly intertwined with payments, bills, and deposits automated to various accounts. The letter from them implies that per the terms and conditions they can terminate any relationship/account at any time for any reason. Their decision seems arbitrary, capricious, and perhaps discriminatory and come without any sort of recent inquiries from a XXXX dept nor a business risk department. It is out understanding that if there were some actions or activity in our accounts that were in question, then we should have been asked about it or had a chance to explain. There was no formal verbal or written notification or warning given of any activity that is questionable. I reached out the local branch manager ( XXXX XXXX ) who mentioned something about possibly having too many in and out transactions, wires, or otherwise but could not really elaborate further. She seemed to imply that we have done nothing wrong, that she has known us for years, and our relationship manager should be able to rectify this. I reached out to our ( newly assigned and does not know us well ) relationship manager XXXX XXXX who also could give no answers, stated he had no authority, and did not seem to place any importance at all on our situation or want to be bothered. We have simply only used our accounts for banking activities which are the sole reason customers keep accounts at banks. Had anyone had any questions or asked us for documentation to substantiate any activity we have always been ready to provide and are ready now to provide it as well. The thoughts having to reopen all of those accounts elsewhere in the timeframe of the next 12 business days that remain is heart breaking let alone rerouting all of those automatic bill payments, deposits, transfers etc. We are highly suspicious that they have taken this action against our XXXX family because we have chosen not to participate in certain investments with their investment team which they have repetitively tried to discuss with us that would generate more fees for them. The fact that a bank can just do this to a hard working family trying to exist and live the American dream should be illegal.
Product: Debt collection

This is my response to your letter I received on XX/XX/XXXX, regarding Fraud Denied Reference Number DT XXXX ( attached file : 1. XXXX  ). 

I am a victim of identity theft and have been attempting for more than the past two years to remove fraudulent accounts from my credit reports. While I was outside the U.S., nine accounts were opened fraudulently in my name without my authorization, including the following : Account Number : XXXX Card Type : Citi ThankYou Preferred Your letter provided three reasons for rejecting my fraud claim. I would like to address each one : 1. " Cards mailed to a valid address '' Could you please clarify which address youre referring to and how it was validated? 

My known U.S. residence periods are as follows : XX/XX/XXXX XX/XX/XXXX : XXXX  XXXX, WI XX/XX/XXXX XX/XX/XXXX : XXXX, OH XX/XX/XXXX Present : XXXX, WA Between XX/XX/XXXX and XX/XX/XXXX, I was not in the U.S. To substantiate this, I have attached the following documents : 2. Identity Theft Report 3. Police Report 4. I-94 Arrival/Departure Record 5. USA Visas ( proof of U.S. entry and exit ) 2. " Account activated by verified phone number '' I am unsure what this refers to, as I have only one phone number, which is XXXX. For privacy reasons, I have partially hidden it here and in the documents. I kindly ask that you refrain from calling me, as this process has already taken over two years, and I am exhausted by the repeated need to prove my case. 


3. " Verified phone number contacted Citi prior to date of fraud reporting '' I have never contacted Citi, nor have I ever held an account with Citi bank. Could you provide evidence for this claim? This process is deeply concerning and feels unjust. 

Please inform me of any additional information required through the Consumer Finance platform. Thank you for your attention to this matter.
Product: Credit card

Synchrony Bank/Care Credit ... I went to the dentist for a procedure in which they opened up a Care Credit account ... The account was at 0 % interest and payments were supposed to be made monthly until complete ... I made all my monthly payments, to include on time ... After paying on the account for 12 months, I called in because I had an additional bill and I was told that the account had been charged interest since it was not paid in full in 12 months ... I never received any paperwork stating this would be case nor was this information disclosed to me on month XXXX, XXXX, XXXX, etc ... After all the penalties, interest, etc., I was told that my remaining balance was {$1900.00} ... The initial balance when opened was {$1600.00} and I had paid that all the way off minus {$100.00} ... After explaining to Synchrony the situation and requesting copies of the contract that stated I had 12 months to pay in full, they never sent it to me ... I requested several times over the phone and 3 times certified letter ( all of which were ignored and not responded to ) ... They never sent me the original contract ... In addition, I was told by management that I would be allowed to pay the remaining balance in full ( {$100.00} ) and I should receive a new bill with the final amount within a couple weeks ... I never received a bill and a month later, I noticed they charged the account off and placed it on my credit ... This account was originally for {$1600.00}, I made monthly payments for 12 months at 0 % interest and had a short balance, and now they 're saying the charge of amount is {$2200.00} ... It does n't add up, to include they do n't have my original application/contract.
Product: Student loan

I am part of the XXXX XXXX XXXX XXXX XXXX  group. I was supposed to have all of my loans XXXX by XX/XX/24. They have refused to get the loans off of my account, the loan service account, and my credit
Product: Credit reporting or other personal consumer reports

The account CARMAX, is currently being reported INACCURATELY by the creditor. The vehicle attached to this account was repossessed on XX/XX/year>, between the hours of XXXX. However, the creditor 's reporting of the account for the months of XXXX & XXXX, show " CHARGE-OFF '' as the account status. This is grossly INACCURATE. A " CHARGE-OFF '' implies that the vehicle has not been recovered, which is incorrect in this situation. Due to this INACCURATE reporting, which violates my consumer rights, I am requesting the account be removed from ANY & ALL consumer reports.
Product: Debt collection

Medical Revenue Services is trying to collect a debt on behalf of XXXX. I am a 100 % XXXXXXXX XXXX XXXX who visited an XXXX XXXX for assistance. The company took my XXXX  information and did not file with the insurance company. I do not owe the balance of XXXX. In XX/XX/XXXX, the company was contacted, on XX/XX/XXXX, I received a letter from XXXX XXXX I owe the stated amount. The collection agency sent a copy of the EOB ( explanation of benefits ), medical bill, a coy of my identification and XXXX XXXX  card. The EOB did not show XXXX submitted to the insurance company for payment. It also shows where admissions placed it as self pay, instead of insurance filed. It can't be self pay, if I provided my XXXX XXXX card. There is also no signed douments showing I chose self pay versus. This balance owed is due to their clients mistake. They should submit to the VA for payment as their timely filing limit is 2 years. Technically, the information is being reported inaccurately as the XXXX facility and their representative Medical Revenue Services has not done their due diligence.
Product: Checking or savings account

My federal and nj state tax refund were fraudulently sent to USAA bank and theyve wont give me any details despite telling them that this was done fradulently. My federal state refund was sent to them on XX/XX/2020 for {$12000.00} and my state refund of {$2200.00} was sent to them on XX/XX/XXXX. I have no idea if this money was sent back to the respective parties or not or who the account at USAA even belongs to or whether someone tried to open the account in my name. Its ridiculous that they wont help me at all. That is over {$15000.00} of my money that was stolen. I am a XXXX  working the front lines during the covid outbreak and its already bad enough not having supplies and putting myself in danger everyday at work but now I cant even get my tax refund back! USAA is the worst and no one should ever bank with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I numerous credit inquiries on my Experian credit report unknown and without my consent. Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. I disputed the inquiries and they came back verified without proof of my consent or sign documentation.
Product: Bank account or service

I had a Mortgage with Wells Fargo. That was paid in full on XXXX XXXX. XXXX, Received satisfaction of Mortgage. On XXXX XXXX XXXX, two years after the mortgage was paid in full. I received derogatory notification from my credit tracker stating that I was delinquent on a Wells Fargo Mortgage with an account number that was not mine. I contacted Wells Fargo numerous times to try and get this issue explained a resolved. After weeks of phone calls and correspondence I was told that Wells Fargo would fix the credit reporting issue. On XXXX XXXX, XXXX I received another derogatory credit report. It appears to me that Wells Fargo went in and removed an account number that was not mine and substituted the real account number and are now reporting that account as delinquent as if it is still open? I called Wells Fargo today XXXX XXXX, XXXX and spent over 1/2 hours talking with 3 people to no satisfaction. The impact of this situation has caused XXXX and financial grief. I had lost XXXX of dollars as a house purchase fell through. I believe Wells Fargo went in and changed the reporting mortgage number to my old mortgage number which was paid in full and satisfactory over 2 years ago. I believe they opened a mortgage in my name with out my knowledge.I believe the person in the corporate office tried to convince me that the reporting was correct when I questioned him and informed there were no derogatory reporting after the mortgage was closed until the bogus mortgage number appeared. then you change the mortgage number to my real number when I raise th issue that the mortgage number was not mine. This has caused me XXXX of dollars and I believe that Wells Fargo has tried to avoid an issue of acct in my name that was not mine.. Person in corporate was XXXX XXXX the first manager talked with was XXXX XXXX after speaking with customer service. Something is most definitely wrong here. Please help.
Product: Debt collection

I was contacted via telephone by Source Receivables Managment regarding a debt. I asked them for their address to mail them a debt verification letter. On XX/XX/XXXX, I sent them a letter asking them to verify the debt amount, including any fees, and who the original party that is making the claim via certified mail. This was received by them on XX/XX/XXXX. On XX/XX/XXXX, a letter was sent to me with a bill in the amount of {$660.00} from XXXX XXXX XXXX On XX/XX/XXXX, I sent another certified letter to Source Receivables Management advising them that I am not responsible for this debt and asked them to send me a signed contract proving this debt belongs to me, including but not limited to and proof that you are licensed in Pennsylvania. On XX/XX/XXXX, I received a letter from Source Receivables Management that stated, " our records indicate we have already responded to a previous request for validation. ''