23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Experian & XXXX XXXX have all engaged in dark patterns, resulting in abuse of consumer 's file and has furnished these reports unfairly from XX/XX/XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all XXXX bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in violation of The Fair Credit Reporting Act. I ask that the accounts and inquiries be investigated thoroughly and removed to restore my good credit profile.
Product: Debt collection

This company has been harassing me since  XXXX   XXXX . I told them not to call any more. I several more calls but blocked the number. I got a call from a friend of mine they had called her on  XXXX   XXXX  looking for me. On  XXXX   XXXX  I got a call from m y Dad tha t they had called him looking for me. On  XXXX   XXXX  I received a call at my job from them telling me I had to pay it then. I told them they had harrased my friends and family and now calling my work after I told them to stop. On  XXXX   XXXX  I got another call from them at my job. I told them I have told you to quit calling me. The man on the phone said well you have not told me. Seriously. Then he berated me, I hung up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete of the accounts listed IMMEDIATELY!
Product: Student loan

XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to document significant issues with my current student loans and request remedy. I should not have to stay with a variable interest rate. I have attempted to apply repeatedly to a lower interest rate. I have been continuously denied with no explanation as to why. When I call customer service, they ask me questions regarding income, and then tell me that I was denied, but they do not state why. When I have asked, they have stated that they are not sure why, I was just denied. I have never missed a payment, my lowest credit score is XXXX, and I have excellent credit history across every account I have had with any company. I deserve a fixed interest rate at a lower percentage. 

The amount that I owe now is more than four times the original principal, despite the fact that I only completed my education and licensure in the fall. I feel preyed upon and Navient will not offer any remedy, despite multiple attempts to work with them ( email exchange with Navient attached ). I took out {$46000.00} in student loans at age XXXX to pay for school expenses including books and tuition. I assumed that there would be some interest, but I didnt understand what a variable rate was and the impact that this purchase would have on my well being and livelihood. 

I am currently a licensed XXXX XXXX  and I have to work five jobs to pay my monthly payment. The interest only payment is approximately {$2100.00}. I have to pay above the interest to make even the slightest dent in my principal. As a result, I work a full-time job Monday through Friday, and four part time jobs including XXXX at two separate universitys and doing XXXX XXXX at two separate companies. This is not a sustainable practice, I am often exhausted and unable to properly care for myself and my family, I am also a mother. 

I have reached out to Navient multiple times regard additional payment options. I was denied twice via telephone and once via email for loan refinancing. The person I spoke with was unable to state why I did not meet the requirements for loan refinancing, they stated that they enter my information into the system and are provided with the options. The people I spoke with were also unable to tell me what had to be done in order for me to meet loan refinancing requirements with Navient. Additionally, I contacted Navient and was notified that they are unable to modify or settle any of my loans for a lesser value. 

Principal Current balance Variable interest rate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This student loan experience is overwhelming. I am hopeful that, with your assistance and advocacy, I can have a reasonable monthly payment and pay off the principal I owe rather than extreme interest. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting or other personal consumer reports

They have the wrong date that i started XXXX no I started XXXX and graduated XXXX they have the account as if it is still open and it is making a negative on my credit account. 
This is on transunion and it has as big as day late payment sitting on the front of my credit report as if the account is still opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and my lender is unable to pull my credit from Equifax.I both have made numerous calls to Equifax since XX/XX/XXXX to clear up any issues. Equifax says that there is no block on my credit. My lender has reached out to his vendor as well yet the error still remains the same. I just got off the phone again today XX/XX/XXXX and the woman on the phone said there was nothing else she could do then gave me a number to customer service that could. I called the number and it was no longer in service.
Product: Bank account or service

they took my whole social security check i had no food my bills got turned off
Product: Credit reporting or other personal consumer reports

I've made numerous attempts to address the fraudulent inquiries on my consumer report without success. These inquiries are entirely unrelated to me and I am not responsible for them. Their presence has caused me considerable mental anguish and financial hardship. As an identity theft victim, I may need to pursue legal action if this issue isn't properly resolved. These false and fraudulent entries have prevented me from purchasing my ideal home and meeting my family 's needs, significantly impacting my financial stability. I've enclosed a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this problem and requesting resolution for your reference.
Product: Student loan

I had a call earlier today FRI XX/XX/XXXX with a very helpful Navient agent. I was made aware today that payments to federal loans serviced by Navient not owned by The Department of Education were accruing daily interest XX/XX/XXXX - present. I thought a federal loan was a federal loan. Navient is not honoring the federal 0 % APR but are rather acting daily interest. I paused payment XXXX. Further, if a borrower elects to have Covid accommodations they would have required to be renewed every 30 days and that interest is capitalized and added back to the principal every time it is renewed. This is required every 30 days. When I found out and inquired about a refund of all monies paid since XX/XX/XXXX - XX/XX/XXXX I told I was entitled to it but processing a refund will put my account in some state of failure to repay and reported to a credit agency. I insist i would like to request a full refund of any payments made on federal XXXX subsidized and unsubsidized FFELP loans since XX/XX/XXXX. The amount comes to roughly {$2300.00} in payments. One notable lump sum was {$800.00} and roughly {$500.00} was applied to interest and I was never overdue. Ever. A refund of capitalized interest charges for payments pauses XX/XX/XXXX - XX/XX/XXXX would amount to {$1200.00} capitalized on XX/XX/XXXX and {$100.00} capitalized on XX/XX/XXXX. In no way did I expect that I had a federal loan that was not being in zero percent APR. In the middle of a pandemic I did not know that I would be penalized and have {$1300.00} ADDED to the principal of my loan for pauses relating to the coronavirus. All US press said federal loans were at zero percent. Literally I paid {$1300.00} in capitalized interest before resuming payments for the PRIVILEGE of choosing to begin repaying loans thinking I was adding monies straight to principal while federal loans were at 0 %. In all I have been scammed out of {$3300.00} - {$3500.00} under the guise of being a PARTNER with The Department of Education servicing a federal loan. When I tried to call back Friday XX/XX/XXXX the call center was closed. Previous emails closed the ticket and encourage me to call but the calls are circular, threatening, attack my intelligence and are demeaning. The agents state with dubious intonation that not all federal loans are owned by ED, yet, the only demarcations on paperwork is loan type ( subsidized or unsubsidized ) and repayment type. I strongly suspect my in school deferments also capitalized interest. Very ruthless organization. I had {$110000.00} in student loans and the only ones that are not paid off in 19 years were the ones serviced by Sallie Mae then Navient. This is not a coincidence.
Product: Debt collection

fed loan service XXXX is the initial number i spoke with a man named XXXX XXXX who i gave personal info to he tried to take XXXX dollars off my debit card and according to nelnet they were trying to scam me. i had to reordera new debit card and cancel my old one. i had to change my password forfafsa website and according to XXXX i do not owe the XXXX dollars as i am XXXX and am working on an application with XXXX. XXXX XXXX direct number is XXXX. I called him back and asked him for an itemized statement of what i owe and instead of sending me one, he directed me to a different website. XXXX also mentioned another woman who he never named is handling " my account '' with them.
Product: Student loan

MOHELA does not include the amount of interest due on loans on it's website 's payment page. It shows up like this : Loan Type XXXX Principal Balance ( $ ) XXXX Interest Rate ( % ) XXXX Next Payment Date XXXX # Days Past Due XXXX  Past Due Amount ( $ ) XXXX Current Due Amount ( $ ) XXXX I attempted to payoff one of my loans in full not realizing this crucial information was missing. When I logged in a few days later I was surprised to discover I still had a balance that was accruing interest. 

I called in to their support team yesterday on XX/XX/23 at XXXX XXXX, waited on hold for between XXXX minutes, and finally spoke to two representatives. The first was in training and needed to transfer me to a more experienced rep. The more experienced rep said she would attempt to write off the remaining balance by filing an internal request. I sent a follow-up email complaining and requesting an update on that internal request, but have not received a response. 

Even if they write off the remaining balance, it does not change the fact that I can't tell on the payment page how much money I actually owe. The support representative I spoke with mentioned that I was not the first person to call about this.
Product: Money transfers

On XXXX/XXXX/15 I placed an order for swiss army knives from XXXX The items were in stock. The company contacted me for payment by wire transfer. On XXXX/XXXX/15, I completed wire transfer of {$210.00} EUR ( {$250.00} USD ) from my XXXX. The company then contacted me to say the order was cancelled and items were not available. When I go on to my account at their website, it says on XXXX/XXXX/15 money received and paid back. I have not received money & after numerous emails I still only get automated response saying they received my request & will get back to me. I also wrote XXXX in XXXX but I know they speak XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX  deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please eliminate this account from my credit report immediately -they failed to so. Proof of collection validation, method of collection verification, furnish immediately the signed contract or remove this account immediately. Collector did not verify, proof of collection validation, " The collector ignored my dispute letter, did not send me anything to verify this and by not responding, agreed that this is an unverifiable account! ''
Product: Checking or savings account

**FRAUD** : {$2000.00} stolen from my checking account. 

I received a phone call from XXXX on XX/XX/XXXX which showed up as Wells Fargo on my phone. This number is their claims department number. The person claimed to be with the " Wells Fargo Fraud Department. '' They proceeded to read off previous transactions that were made by me along with other transactions I didn't authorize. Because of this, I believed I was speaking with Wells Fargo, and it was clear they had access to my account. The phone number and account charges they mentioned matched my records. 

They instructed me not to log in to my online banking during the call. During this time, while they were accessing my account, they increased my debit card transaction limits, which Wells Fargo later admitted they couldn't do without access to their systems. They somehow transferred the total amount of {$2000.00} from my account through " XXXX XXXX '' and then hung up the call. Once I realized my money was gone, I immediately called XXXX and the Wells Fargo Fraud Department. During this phone call, Wells Fargo admitted the fraud and stated that the perpetrators accessed my account and had access to their systems. My case was then escalated, and I was told to wait. 

Initially, Wells Fargo credited a {$2000.00} provisional credit to my account, but they later reversed this credit and have since closed the case. They claimed that because the money was transferred from my account through " XXXX XXXX, '' they are not liable. This is unacceptable, as my account was compromised through their systems, and it was their phone number that called me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Yes I reached out the Navy Federal Loan Department multiple times to let them know that they were in violation of the law and they had violated my rights and my constitutional right to the pursuit of happiness I gave them the link to your website to read the law and still told me that they did nothing wrong this has created great harm and shame me in front of my family and friends
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, and they did not comply with error resolution requirements under the Electronic Fun Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek the appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Dear Ombudsman : XXXX XXXX XXXX, through US Bank, did not let me know that they were charging me non-compliance fees in XXXX of XXXX by hiding them on an online Statement in stead of itemizing them on my checking statement like they used to when I signed up with them in XXXX. When did they start this unfair practice? Also on their emails it states " ... and you are now at risk of losing your PCI program fee discount. '' It did not state that I HAD LOST my DISCOUNT. This is a poor business practice. Then they refused to credit me back my 5 months of $ XXXX month fees when it is because of their lack of communication that I did not fill out my compliance. A couple of Months later, in XX/XX/XXXX and {$240.00} in fees later, when I confronted them about refunding me the hidden fees they told me no. This is outrageous when I have always been in compliance. I guess Elavon and US Bank are too big to care about small business. My husband and I thought they were different than the other corporate banks that we were with previously. 

If there is any thing you can do to get my {$240.00} in fees back and hopefully prevent this from happening to other businesses, it would be greatly appreciated. Thanks.
Product: Debt collection

Dear CFPB Representative, I am submitting a formal complaint regarding the unauthorized exposure of my Social Security Number ( SSN ) in a data breach and the subsequent fraudulent activity on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ), financial institutions and credit bureaus are required to protect consumer data and ensure its accuracy.

Complaint Details : 1. My SSN was compromised in a recent data breach.

2. As a result, fraudulent accounts and inaccurate information have appeared on my credit report.

3. I have disputed these inaccuracies with the relevant credit bureaus, but they have failed to properly investigate and resolve the issue.

4. This has negatively impacted my credit score and financial standing.

Requested Actions : I request that the CFPB take immediate action to ensure that : The credit bureaus conduct a full investigation and remove any fraudulent accounts or inaccurate information from my credit report.

A fraud alert or credit freeze is placed on my file to prevent further unauthorized activity.

The financial institution ( s ) responsible for mishandling my data are held accountable under applicable laws.

I have attached supporting documentation, including my dispute letters to the credit bureaus, identity theft affidavit, police report, and any responses received.

I request that the CFPB review this matter and ensure compliance with federal consumer protection laws. Please provide an update on the status of my complaint as soon as possible. 

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

RE : INQUIRY REMOVAL While checking my recent credit report. I noticed unauthorized credit inquiries made by the following company : XXXX XX/XX/2021 ALLYFINANC XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give XXXX permission to furnish this information onto my credit report. 
This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documents associated with this account bearing my signature, authorizing an inquiry. 

I also demand of any such documentation bearing my signature, I formally requested that this unauthorized inquiry be immediately deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, As per the fair Credit Reporting Act Section 611.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a late payment on my auto loan account ending in [ Last XXXX Digits of Account XXXX ], as well as to raise concerns about potential unauthorized access to my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers have the right to accurate reporting and protection against the misuse of their credit information.

Upon reviewing my credit report, I noticed inquiries and activity tied to my auto loan that I did not authorize or fully understand. Under 1681b of the FCRA, my credit report may only be accessed for permissible purposes, such as credit applications or account management and only with my explicit consent. Any inquiry or sharing of my credit information beyond these legal boundaries constitutes a violation of my rights.

Given these potential violations, I am requesting that the late payment associated with my auto loan be removed as part of resolving this issue. The presence of unauthorized inquiries and potential misuse of my report calls into question the accuracy and fairness of the late payment reporting.

I kindly request that you : 1. Investigate all credit inquiries related to my auto loan account and provide documented proof of my consent.

2. Remove the late payment from my credit report, as the improper handling of my credit information undermines the validity of this negative mark.

3. Confirm the removal in writing and provide assurance that my credit information is now handled in full compliance with the FCRA.

If this issue is not resolved promptly, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for willful noncompliance under 1681n of the FCRA. 

I appreciate your immediate attention to this matter and look forward to your response within the legally required 30-day period.