23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I borrowed this money from XXXX to XXXX to attend the University XXXX XXXX, along with several other loans as part of a loan package. Apparently, I also borrowed money from this lender from XXXX through XXXX while attending XXXX XXXX University. It was my belief this loan money was all through XXXX XXXX and a federally-backed funding program. Upon graduating from XXXX XXXX in XXXX, XXXX, I started pursuing consolidation options. I consolidated the majority of my loans and now pay those loans through XXXX, which has been a very reasonable lending group. 

However, there is one " bundle '' of loans labeled the XXXX XXXX XXXX XXXX that was not eligible for the consolidation, as it was a Private XXXX XXXX loan. This loan now totals {$45000.00} as the total amount owed. At some point, Navient became the servicer of this loan. I started paying Navient regularly in XXXX, XXXX, which is when I obtained full-time employment after XXXX XXXX Upon moving to XXXX XXXX in XXXX, XXXX ( my husband was in the XXXX at the time and assigned a duty station in XXXX XXXX ), I began trying to negotiate with Navient for a lower payment plan, as I did not have a job in XXXX XXXX. Navient 's customer service reps were hostile, rude, and offered no solutions. One rep  went so far as to suggest that I borrow money from my parents. 

After multiple discussions around trying to see how to arrange a payment plan to no avail, I stopped paying Navient as I had no income coming in. Navient reps started calling me 8-10 times a day, including at XXXX XXXX and all through the weekend. I told them to stop contacting me excessively. This was interpreted as a " Cease Contact '' request and I have not received ANY correspondence from them since that request. No emails ( other than required tax forms ) and no letters. 

On this date, XXXX XXXX, XXXX, I have {$11000.00} past due and have a negative report on my credit, as Navient as filed this as a " Collection/Charge Off '' on my credit report. The experience of trying to work with them and bring some order to my student debt has been exhausting. As it stands, my credit is destroyed and I have no idea how to approach this group to enter into a reasonable plan. Additionally, interest accrues at an exorbitant rate, so I will likely live with this debt until the day I die. I have several other lenders I work with ( XXXX, NJ XXXX, XXXX, and XXXX XXXX XXXX ) and while I take issue with some of those lenders as well, they have all been amenable to working with me on a reasonable payment plan. Navient remains the sole outlier. 

I have no idea how Navient became the servicer of a XXXX XXXX loan but their practices have been unethical, to say the least.
Product: Debt collection

Midland funding is reporting a collection for an account ( Account number XXXX ) that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time. This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section 806. The account was for XXXX XXXX XXXX XXXX / XXXX. I paid XXXX off many years ago. I contacted Midland and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX. That is false.
Product: Mortgage

On XX/XX/year> I went to my local Wells Fargo bank branch to inquire about the status of my escrow account refund on the Mortgage Loan that was paid off in XX/XX/year>. I spoke with a representative and he called the Mortgage Division and was told that the balance on the escrow account was paid by check and the check was cashed in XX/XX/year>. I did not endorse the check. I had no knowledge of the check being issued. For them to investigate this forgery, I was advised that I needed to sign and send Wells Fargo a notarized affidavit. I followed the instructions and sent Wells Fargo in XXXX XXXX, Iowa the required paperwork. They responded on XX/XX/year> that a fraud case had been opened on the forgery of my signature on their check and that I could expect a reply by XX/XX/year>. Now I am being told on the phone that the case was closed by their " Fraud Team '' on XX/XX/year> even though the representative, Jane, only gave me this information by phone today, XX/XX/year>. I have never been contacted by any person on the Wells Fargo " Fraud Team. '' I have not received any written communication about the resolution of this fraud case.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX and DEPT OF ED/XXXX  XXXX
Product: Money transfer, virtual currency, or money service

identify you and your account.

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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 they 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 seek appropriate redress for these violations
Product: Debt collection

I had received paperwork by mail in XXXX XXXX regarding a debt owed, and this company XXXX, XXXX XXXX was the firm hired by XXXX XXXX XXXX XXXX to collect via State of CT Superior Court small claims. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX, Midland was included on the bankruptcy petition, and notified. XXXX XXXX XXXX was also notified of this action. The bankruptcy was discharged on  XXXX/XXXX/XXXX. I received communications from State of CT Superior Court regarding this case on XXXX/XXXX/XXXX, it was a notice that a hearing was scheduled for damages on XXXX/XXXX/XXXX XXXX. I contacted the clerk on XXXX/XXXX/XXXX approx. XXXX XXXX to let them know this was a discharged debt and what do I do? The clerks office told me to contact XXXX XXXX XXXX XXXX. I called them on XXXX/XXXX/XXXX @ XXXX XXXX and spoke to XXXX XXXX ( sp? ) explained the above to him in detail and he said this would all be cleared up. Yesterday XXXX/XXXX/XXXX I received another notice from State of CT Superior Court that a default was entered against me because I had not filed an answer to this proceeding which I was assured would be cleared up by XXXX @ XXXX XXXX XXXX. I am extremely upset as to how a company that was notified months ago can still try to pursue litigation?????? I am beyond stressed, and can not lose time from work to try to rectify this myself nor should I have to, this company needs to be held responsible for their pure disregard to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was enrolled with XXXX XXXX XXXX. Attached are statements verifying enrollment in the program and payments being made for this program ( Highlighted in yellow ). Also attached are the Terms & Conditions for the XXXX XXXX XXXX stating that during enrollment, minimum payments will be covered & fees will be waived. XXXX has reported INACCURATE INFORMATION. Upon calling XXXX, they agreed and stated to reach out to the credit bureaus. 

Account name : # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

I have a checking account at Wells Fargo. I noticed in XXXX that I had been charged a XXXX XXXX   monthly service fee ( charged on XX/XX/XXXX). I then went back and noticed that I had been charged the same fee in XXXX ( XX/XX/XXXX ). I connected with the bank to ask them why I had been charged these fees. They credited my account the {$60.00} they had charged ( on XX/XX/XXXX and XX/XX/XXXX ) after my complaint. However, my issue and the source of my continuing concern with Wells is that : 1 ) This is not the first time that I was surprised by a service fee. It's happened before, and mostly depends on if I happen to notice it or not. 
2 ) We originally set up the Wells Fargo checking account when we got our home mortgage through wells - it was a requirement to get the mortgage. At that time, I had explained to the Wells representative that I had minimal needs - a few checks and ATM withdrawals - and I wanted the most basic account there was. 
3 ) Somewhere along the line, my account was upgraded to something I didn't need. This new account ( " XXXX by Wells '' ) also came with a high minimum balance requirement, which I was never told about - I would never have agreed to it, because we never intended to keep much money in wells. 
4 ) I asked them when my account was upgraded, as I have no recollection of ever having consented to this, and I definitely did not know about any account balance requirements. 
5 ) I spoke to someone at the Wells Executive Office on XX/XX/XXXX, who told me they were conducting an investigation into this matter and they would get back to me with the results of their investigation - why did I have a banking product I didn't need and why was I getting charged? 
6 ) Since then, I've received nothing but unhelpful replies to my repeated inquires about the results of their investigation. One reply said they would send me their brochures. Which they did. Another just restated the type of account I had and the balance requirements.

7 ) I consider myself a pretty savvy consumer, and I had no idea what product I was using at Wells,  when I had consented to using it, and what the balance requirements were. Perhaps they have got legal coverage somehow but at the very least its an extremely misleading approach. I wonder how many other people are stuck with banking products that are overpriced and unsuitable for them.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : 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

I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. I sent this company my dispute and my identity theft report on XX/XX/XXXX and XX/XX/XXXX but to my surprise this company have not removed the fraudulent inquiries from my credit report within the 4 days as required by law. Again this inquiries are fraudulently reporting on my report, please delete asap : XXXX pulled last XX/XX/XXXX XXXX/ XXXX pulled last XX/XX/XXXX This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information.

I have enclosed a copy of my Identity Theft Report and My Previous dispute to the company.
Product: Prepaid card

I decided to purchase some gift cards to have access to a card while I straightened an issue out with my bank. I have tried using it at XXXX, online stores, ETC and I have gotten turned down to use them at any of those places. I have about {$450.00} in gift cards I can not use?
Product: Student loan

I called Nelnet because I 've been paying on the loan for 3 years it seems like the payment is n't going down at all so I asked how do I fix it. I spoke to someone they told me to pay more on the account and I am but I still do not see much progress. I dispute it ( XXXX XXXX ) because I do not think the information is correct and now I put my account in an deferment status. I 've also asked if they had a program if it was paid in full will there be some discount I was told no settlements are allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN IN CONTACT NUMEROUS OF TIMES WITH ALL 3 CREDIT REPORTING AGENCIES DUE TO A MIX UP WITH MY SOCIAL SECURITY NUMBER. ADDRESS AND BIRTHDATE. THE NUMBER THESE AGENCIES HAVE ON FILE XXXX IS NOT MY SOCIAL SECURITY NUMBER. I HAVE BEEN DENIED HOUSING/ CREDIT / LOANS, CAR LOANS ECT , DUE TO THIS MIX UP. I HAVE BEEN LIVING HOUSE TO HOUSE SOMETIMES ON THE STREET DUE TO THESE CIRCUMSTANCES WITH THE XXXX MAJOR CREDIT BUREAUS REPORTING WRONG PERSONAL INFORMATION ON MY CREDIT PROFILE. I HAVE DONE ALL I CAN DO TO FIX THIS SITUATION ; MY ONLY OPTION LEFT IS TO SUE THESE AGENCIES FOR NEGLIGENCE AND PAIN AND SUFFERING I HAVE ENDURED BECAUSE OF THIS MIX UP. THIS IS MY FINAL ATTEMPT AND ADDS MORE PROOF TO THE FACT I HAVE NOTIFIED AND PROPERLY EXPLAINED MY POSITION TO THESE AGENCIES IN THE EYES OF THE LAWS THAT GOVERN THEM. ON TODAY XX/XX/year> I WILLL BE ATTACHING MY STATE ISSUED IDENTIFICATION CARD ALONG WITH MY GOVERNMENT ISSUED SOCIAL SECURITY CARD IN HOPES THIS MATTER GETS RESOLVED.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 or other personal consumer reports

Experian has failed to fulfill its legal obligations 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 customer-provided evidence to furnishers accepting unreliable responsibles and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm on my credit standing. I am requesting immediate correction, action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # XXXX XXXXXXXXXXXX Ph : XXXX I have been getting calls as well as my family members that I owe debt to this company and my credit report does n't show that I owe anything to any collection agency/creditor or I 'm delinquent with any creditors. They mailed a letter to my mom that I am past due with the amount of {$4000.00}. 

This is the information on the letter : Client : Assured Financial Partners File : XXXX Original Creditor : XXXX Account : XXXX Please see collection agency information below. 
First Equity Alliance XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Fax : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA ( XXXX ) XXXX opened a Fraudulent account in my name along with a collection agency Hunter Warfield in XXXX, FL. 
I'm alerted by my XXXX XXXX XXXX XXXX XXXX Department who flagged these agencies as Fraud. XXXX XXXX XXXX XXXX lied claiming I owe them {$770.00} this account is not mine! I submitted a Police Affidavit required to the Credit Bureau 's already and Hunter Warfield Collection Agency has been DELETED and is being " Blocked '' from re-displaying on my credit reports. I do want to press charges against XXXX XXXX XXXX XXXX and/or Hunter Warfield for XXXX Theft. I have a complaint with the Washington State Attorney General XXXX XXXX and I was told today XX/XX/2023 to also contact XXXX Police Department to press charges, which I will do. My XXXX XXXX XXXX is working with the Fraud Department of my credit bureaus to stop and prevent these stated fraudsters from opening further accounts in my name.
Product: Debt collection

I was informed by my job that I was being garnished by XXXX XXXX XXXX Managing Attorney. I sent a certified letter. dispute letter. 
I am requesting more information on this debt. The debt collector informed me that he has no more information beside a bill from 2016, which this doesnt show this belong to me. Therefore the garnishment.need to stop until more information shows this debt belonging to me. Paper work was severed to the wrong house in the wrong county, which do not the belong to me. We have two account number that I am disputing FIRST - account XXXX in the amount of {$1600.00}. 
Second account. Number XXXX {$8800.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased timeshare XXXX XXXX .Contract amount was XXXX at 18 % rate. On XX/XX/XXXX Loan was payed off in the amount of XXXX. Payoff was never submitted to any credit bureau. Payments were payed to a company called EQUIANT. I've reached out to XXXX XXXX and XXXX XXXX on several occasions to no avail, they insist XXXX  was notified of payoff. My account # XXXX
Product: Credit card or prepaid card

XXXX XXXX credit plan open my account that I did not request them to do so. I just got a letter from them stating they close my account that I never open the account with them in the first place
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 a message popped up on my screen to call a number XXXX ) to protect myself from suspicious fraud/identity theft They identified themselves as from XXXX as did the pop up. I called the number and they said to secure my accounts I had to do a money transfer and told me I would get the money back in 20 minutes after the transaction to verify the account was locked down. In order to transfer the money they asked me to share my screen to direct me how to set up the transfer through XXXX which I never used then or had an account or app with XXXX. There was a total of 3 transfers.They could see the balance and I only figured out they were trying to take all the money by the 3rd transfer. XXXX XXXX XXXX {$280.00} confirmation # XXXX, XXXX XXXX {$290.00} confirm # XXXX  XXXX XXXX {$290.00} confirmation # XXXX ; all sent to me through XXXX confirmation emails. I went to my bank M & T who later denied the claim because I keyed in the transfer even though they admitted they knew 100 % that I was scammed. I filed a police report and have also never heard anything from them either. I was told by the bank that they would escalate my case and it was also later denied for the same reason. Everyone acts like theres nothing they can do but they also knew the money was transferred into a XXXX  XXXX XXXX account that is known to be scamming as is the XXXX telephone number. I believe the recipe I clicked into was on the all recipes website. The scammers are still operating with the same number because my daughter called the number and said she received a pop up just like I did but told them she wasnt home. They then called her 37 times within 2 hours to try to get her to give her info or pick up the phone. She then blocked them. The bank told me to file a police report the day after the transfers and I have not heard anything from them either.Police report XXXX XXXX XXXX XXXX, case no. XXXX