23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have nearly XXXX in student loan debt with Navient, from loans that were originally taken out with XXXX XXXX, and then transferred to Navient without my consent when the company split. I am currently finishing my last year and a half at XXXX University, and am in school full time pursuing a XXXX degree, as well as working unpaid in a XXXX for needed experience to get into XXXX school. I am unable to work as much as is necessary due to the XXXX hours a week that are dedicated to school and XXXX work, not to mention the cost of living ( rent, bills, food, etc. ). Last year I made under XXXX, and still barely managed XXXX hours of sleep a night. 
I called Navient to ask if they could either lower the monthly payments, postpone them until after school, or put them in forbearance for at least a few months so that I could try to find a solution. I was told that they had no option for financial hardship, and I would either have to pay, or my account would go into default. What? XXXX XXXX, as awful as they are, at least have a program for financial hardship, that allows you to put your account into forbearance for a maximum of 12 months. The woman on the phone was not only rude, but then started lecturing me about how it should n't be so difficult to come up with the money, and that I could ask family and friends to just give it to me, and that my payment really was n't that much anyway. I explained that my rent is $ XXXX ( which is cheap in XXXX ), and that bills, food, etc. were already over what I was making, and that I was barely able to cover the basic minimum. She said : " Well there 's nothing I can do. You have to pay. I 'm going to end this call now. Call us back when you have the money. " Are you kidding me? The whole point of a student loan is to enable students to get the education they need in order to get a lucrative job in the long run. I will have a XXXX and XXXX in 5 years, with which I can get any number of high paying jobs. I have no intention of defaulting on my loans, and every intention of paying them back. How is it possible that a federally endorsed student loan company is both " unable '' and unwilling to help the very students that take out the loans with setting up a payment plan that is reasonable? Do they not realize that they will lose more money by forcing students to default on their loans rather than reducing their payments to make them affordable? How is this legal?
Product: Checking or savings account

On XX/XX/XXXX, my credit, debt, and health savings accounts were physically stolen from a fitness club   without my knowledge. The bank called me on XX/XX/XXXX to ask about purchase being made at the XXXX  XXXX. I looked into my wallet and realized the cards were gone and the bank shut off both cards. They initially refunded the entire balance($XXXX on one card, $XXXX on another card for a total of $XXXX) back but then denied the fraud claim and took the funds. They claimed this was because I did not get a police report. A customer service representative claimed once I submitted the police report, I would receive the funds back she was so confident she gave me her employee number, XXXX  employee #XXXX. They also indicated I should not pay the balance down due to it being fraud. After a few weeks/months I decided to pay the balance in full because the matter was not making any progress and the interest charges were starting to add up. I received the police report on XX/XX/XXXX  after months of bad communication or information from my bank. Apparently over a certain $ amount if you do not provide a police report, they deny your claim. This would be nice to know, they claim they sent a notice to my home which I also never received. They told me at least 3 times the police needed information from me and each time I called the police station this was not the case. I talked to the officer many times who was assigned to my case (Officer XXXX PD) and she even offered to call the Fraud Team with me. This did not work either as the fraud investigator was almost impossible to reach, his name was XXXX XXXX XXXX. I even inquired the help of two different HSBC Managers(XXXX CT- XXXX XXXX XXXX and XXXX NY-XXXX  XXXX XXXX) and they struggled to contact the team as well as they are a separate department from retail bank operations. I finally threatened with a lawyer(XX/XX/XXXX, bank responded XX/XX/XXXX) and asked for the badge numbers of officers they claimed they talked to(XX/XX/XXXX, no response from the bank). I have heard from the branch/relationship managers that they denied my fraud claim for a second time because the point of sale system used at XXXX, one of the places I got frauded at, had a receipt with my email address on it. No one from the fraud team ever provided in writing a reason why I was denied. I know this is not a huge sum of money but it is mine and I want it back. The icing on the cake was I closed on my first home XX/XX/XXXX and these accounts were flagged as disputed accounts and came up in underwriting. I provided an explanation to XXXX XXXX XXXX and they approved my loan on a 30 day close. I went with XXXX XXXX XXXX for my mortgage even though the APR was higher because HSBC has lost my trust with the way they handled this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to update or provide me with an accurate credit score and frequently do not update my account. They are refusing to provide me any information on my account until I provide them with proof of identification ... I have gone through all their verifying questions and have provided them with sensitive information over the phone that proves my identity. I asked them why they are asking for proof of identification and they wont tell me why ... I had faxed them a request for dispute well over a month ago and I would like information on that now ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX for making it difficult to upload all dispute documents on their website. Recently, I attempted to file a dispute on their website and upload supporting documentation. Unfortunately, I found out that they only allow a total of XXXX XXXX of documentation to be uploaded. This is extremely inconvenient because it is equivalent to only 1 or 2 pages of documentation. As a result, I was unable to upload all of the necessary supporting documentation to fully explain my dispute, and I feel that my dispute was not fully represented. I believe this is an unfair practice that makes it difficult for consumers to have their disputes fully resolved. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX to ensure that they provide a fair and efficient dispute resolution process for all consumers. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX, XXXX this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have been victim of a fraud to which my bank refuses to take responsibility of. On the XXXX of XXXX, I was given a check to deposit for XXXX dollars from which, I had to transfer XXXX to a supposed limo driver. The arrangements was that I would charge XXXX dollars for a make up service for a wedding, and the rest of the money would be transferred to this limo driver that would bring the bride and the best ladies to my place. The whole thing was a scam, and the check had not funds. The XXXX dollars transfer was made as arranged because the check when deposited was made effective right away and stayed effective for 5 full days before my bank which name is bank of america realized that the check had no funds, and withdrew the funds from my account overdrawing it. Now I'm have a balance of XXXX dollars and the refuse to do anything to help at all. I think they should take some responsibility for the fraud since it is because it took 5 full days for bank of America to realise that check had no funds that transfers to the supposed limo driver were made.
Product: Debt collection

I sent dispute letters to the companies in question with no response from. The companies I never opened accounts with said companies
Product: Consumer Loan

I 've made XXXX payments on my car of XXXX and my principle balance is not going down. I 'm financing my vehicle with Santander Consumer USA but I can refinance or trade out of it because of the negative equity. I do not know what to do. I feel like I 'm paying for a car but not paying for a car.
Product: Debt collection

Reached out to all creditors about the accounts for over a year have not gotten any resloution ask creditors to send the orignal contract and provide verfication for the last year I still have not gotten any information from the creditors aslo filed disputes with all three credit companies such as XXXXXXXX XXXX XXXX. All creditors are reporting in accrate information on my credit report.
Product: Payday loan, title loan, or personal loan

This account is paid. In full. Never received anything from a collections company as it states on my credit report Collections/ Charge off. I took out a {$800.00} loan for XXXX and paid it off. I was not notified about collections or anything. And even sent emails to apply again for another loan so I am confused here. Not sure why this negative remark is on my report. And this is the only thing stopping me from A morgage is a old loan in 2016 for {$800.00} when I was a single mom to help with XXXX and paid back this loan with tons of interest all to get a negative remark. Pretty frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a medical debt collection on my credit report which I have tried to dispute with Equifax. I never received the original bill from my medical provider and it was reported to collection agency. When I inquired about the medical bill and attempted to pay my provider directly, they notified me that the account is closed and transferred to a collection agency. My multiple attempts to pay them directly failed and I eventually paid the collection agency. I have disputed this charge with Equifax. However, my dispute online went to a wrong department. I am not able to see the status of my dispute online and every time I call I am on the phone for 45 minutes and the issue is not resolved. I have asked them to send my dispute to the correct department but I still don't see my dispute status online and I have not received email about it.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at Chase Bank in NY state I sent an international wire transfer to a business in XXXX. My banker at Chase used a XXXX code for XXXX XXXX XXXXXXXX XXXX that I was told was the correct code for the bank that my wire transfer needed to land at. Come to find out, the XXXX code was pulled from a drop down at Chase bank which was a retired XXXX code for the recipients bank. This was the first mistake that has lead to 4 weeks of my international transfer never making it to the intended XXXX account, and NO ONE at Chase Bank being able to track down this wire and let me know where my money is. In the meantime, the business waiting on the international wire is threatening to sue me for non payment, all the while the money left my account XX/XX/XXXX and has not been able to be found by Chase bank since. I have made at least 30 phone calls to Chase Bank, as well as sending emails, talking to supervisors, and reaching out to bankers at my local branch. I have been told every time that they can not figure out where the money is and why it has not landed at the account it was intended for. So I am now out a very large sum of money, it can not be tracked or found, I have spoken to no less than TWENTY different Chase bank employees, supervisors, teams, etc... all to NO avail. Meanwhile I am being threatened with a law suit over the missing funds not arriving. Chase Bank has told me over and over they are " working on it '' and someone will call me with a resolution, and now it has been over 25 days with no answers as to where my money went, where it is being held, and why it did not land at the account promised. Chase Bank as been worthless in this entire process.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or list of inquiries 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

XXXX XXXX online credit card payment {$78.00} XXXX XXXX XXXX charge {$37.00} return item fee charged online banking print out shows 3 overdraft fee times {$37.00} each and a return Check fee Total 4 fee 's {$140.00} TCF return {$74.00} of the fee 's still owe {$74.00}. 

The {$78.00} online payment should of been posted and paid on XXXX XXXX not. Enclosed is copy of date and confirmation number. 

Now credit card posted my account a " Return payment {$78.00} and a Past Due fee {$25.00} Making/Resulting in- a NEGATIVE MARK on my credit report Dated XXXX XXXX Enclosed copy statement, TCF XXXX XXXX posted " Backdated credit '' to my account for the online payment $ XXXX This is Not credit in time for me to make *Another* payment BACK to my credit card account along with the Past Due charge- I was then charged for and the Negative {$78.00} payment I had originally made. 

TCF owes me {$78.00} plus {$25.00} past due charge Total {$100.00} NOTE : this is a " Continuance from this Issue/from Complaint # XXXX making this Complaint an- Addition to- of the Further Harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 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 informationisinaccurate.

I am attaching the letters and supporting documents in this complaint.
Product: Money transfer, virtual currency, or money service

My paycheck was supposed to be deposited to my Cash app card but they shut my account down when I got paid and said it was due to suspicious activity despite previous checks being to deposited to the card multiple times. I tried speaking to customer service but was never able to speak to anyone directly. I also tried the chat method but no one was able to tell me exactly why they suspected fraudulent activity despite previous checks being deposited before for the same amount. They locked my account for XXXX weeks after their investigation then unlocked my account but my funds were never released to me.
Product: Student loan

When I made large, principle only payments on the loan prior to payments becoming due, they did not allocate the amount to the principle. Rather, they apportioned the amounts out as payments for when the loans became due after I graduated. Additionally, they send excessive mail and make too many phone calls. For instance, they called my mother, who is also my cosigner, three times within an hour this morning ( XXXX/XXXX/16 ) alone. They also send both of us communication via phone and email in excess. They threatened my mothers credit, and were rude to her when they called. I have told them that a payment for the full balance of both loans is in the mail and they still persist. Checks for full payouts on both loans should reach their officers tomorrow or the next day at the latest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this compromised information removed from my credit file to prevent further misuse.

The following account should be blocked and deleted XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XXXX Balance : {$1500.00} Additionally, I request the following inquiries be blocked and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have an item 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