23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Perhaps this is a common problem. I have had private law school loans since 1998. These loans are currently split between XXXX service providers - XXXX ( formerly XXXX XXXX ) and Access Group ( ACS ). Since my loans went into repayment, I never missed a payment, and paid my full amount owed every month. However, in the last couple of years, I 've had some challenges. I had to take time off from full-time employment due to some health issues, and we needed to relocate for my husband 's job across the country. I had a baby. I needed to stay home for a while. With both loan providers, I was able to suspend the federal loans, but the private ones have been more problematic. I am told I have no other options with those at this point. The monthly for ACS is {$270.00} and the monthly for XXXX is {$230.00}. The financial stress on our family is significant because of this, as I am not bringing in an income and not receiving any type of unemployment assistance. The lenders claim I have no options. I asked if it might be possible for me to pay a lower amount each month until I obtain employment. The answer was no, that this would still be considered default, even if I paid XXXX-XXXX percent of the amount owed each month. Essentially paying a substantial portion counts for nothing. I feel that this makes no sense and is borderline predatory. It seems as if trying to work out an arrangement with them is impossible. I understand why people give up and do n't pay at all. However, I have excellent credit and it 's important to me to retain this. It 's going to wipe out our savings over the next few months. I think the unwillingness to work with clients during financial difficulties is a real problem. This is not credit card debt. Most of us with these loans are responsible consumers. The failure to work with an individual who is willing to pay the maximum possible in his/her current financial situation, is something that I felt was worth documenting. Thank you for your efforts to monitor business practices by the student loan industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting multiple accounts on my credit reports that is inaccurate. I sent out a dispute to all credit bureaus regarding this company on XX/XX/2018 and still this company has verified information back to the bureaus that is incorrect and inaccurate. 

This company chooses to violate my rights by failing to complete proper investigating under section 611 and 609 of the FCRA. This company continues to report incorrect charge off information even after these accounts were closed. In some accounts showing that I was late even after the dates of last activity showed these accounts to be closed. 

Even after filing for a chapter XXXX bankruptcy, this company shares incorrect payment history while also not reporting statements like this account is currently a charge off account, 120+ days past due, 180 days delinquent, Account renewed, and/or no update received. This is obviously a violation as companies show only report accounts current/included in bankruptcy. It has been over 60 days from my initial dispute and I have sent 3 in total and this company still fails to correct this incorrect information and still chooses to delete this incorrect information after being challenged.
Product: Credit reporting, credit repair services, or other personal consumer reports

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  THESE INQUIRES DO NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, had violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied or received a XXXX XXXX
Product: Student loan

My loan supplier, Edfinancial, is giving a crazy refund timeline ( 150 days ) for payments that I made during COVID. This refund timeline is significantly longer than other loan suppliers which is unacceptable.
Product: Checking or savings account

On XX/XX/2021, I received two letters via regular mail from WELLS FARGO, Fraud & Claims Management, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. Subject : Closure of your deposit accounts ; see attached letters from WELLS FARGO. 

I have never had an account ; checking or savings or deposit accounts with WELLS FARGO. I called the number listed and spoke to a XXXXXXXX XXXX XXXXXXXX and explained that I have never had an account with WELLS FARGO. In order to proceed they asked for the four last numbers on the Account number and Social Security number. I explained that I never opened an account with WELLS FARGO and wasn't going to give out my Social Security number as I was unsure that this was even WELLS FARGO I was talking to. When I explained that WELLS FARGO was caught by the Federal Government for opening accounts without peoples knowledge and was fined XXXX XXXX dollars, I certainly am concerned that this could be another fraud. Their answer was that without the Social Security number they could not do anything unless I gave them the SSA #, CC # or account #. Now how would I have that information if I never had an account in the first place? This is the reason I am writing the CFPB. Is this another scam or legit? If I received a certified letter, then maybe I would consider it legit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently retrieved my credit report, and it showed the below highlighted credit inquiries that I have no knowledge of ever authorizing. I am writing to dispute the following inquiries lacking certifiable evidence which should be deleted from my credit report unless physically certified verified proof is demonstrated per U.S XXXXODE 15 U.S.C. S 1681 ET SEQ. Section 604 of Fair Credit Reporting Act and asking for them to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

Two financial aid checks were sent to USAA electronically to the wrong account. First refund, totaling, {$75.00}, XX/XX/2023 and the second refund, XX/XX/2023 for the amount {$5100.00}. I inadvertently placed the wrong account number ( XXXX ) on my XXXX XXXX XXXX  refund account. Instead I used my members ID ( XXXX ). Myself and the senior cashier at XXXX XXXX have spoken with USAA numerous of times trying to reclaim the funds. XXXX XXXX, the senior cashier has also asked for USAA to return the funds back to them. USAA have requested an indemnity letter from the university, which they have but without the hold harmless agreement. The university is unable to provide the hold harmless agreement. However, they have provided both amounts, dates, tracing numbers for both transactions, and asked them to return the funds. 
I have attached the letter from the university, proof to show that I mistakenly placed the wrong account number on my student profile, the dates/amounts refunds were sent. Im asking for help to reclaim my funds. Im responsible for these student loans however I didnt receive. The correct account number ( XXXX ) Ive requested for them to transfer is now on file with the university. 

Thanks, XXXX XXXX
Product: Student loan

On Monday, XX/XX/XXXX, I made an initial attempt to contact Mohela. I was on hold for XXXX hour before the call was hung up on. On Tuesday, XX/XX/XXXX, I contacted Mohela again to request a refund of the payments I have made to my account since XXXX of XXXX, after conducting some research on the Federal Student Aid website about this opportunity and Biden 's Loan Forgiveness. I was on hold for two hours again, only to be hung up on, again. I then called yet again shortly after and endured another 2.5 hour hold time. I was finally able to speak with a Mohela representative. She asked me for some identification information such as my name, birthdate, last four of my social, home address, email address, and phone number. I told her that I was requesting a refund to all payments I had made to the account since XXXX of XXXX. She informed me that it was now being processed. However, when I asked how long it would take to " process '' this and reflect on my account as well as when I would receive the refunded money to my account, she told me 90 to 150 BUSINESS days. I was immediately taken aback after hearing this. I was a pell grant recipient and am therefore eligible for {$20000.00} in forgiveness, though my loans were less than that. During the pandemic, I made about {$10000.00} in loan payments to two different student loan providers.

This time frame is absolutely absurd and not realistic for those who are trying to apply for Biden 's Loan Forgiveness. It is also very unjust to withhold the money people have paid and need returned in order to support their living expenses. Other student loan providers are quoting much shorter wait times from 3-8 weeks and I have already seen many other students receive those refunds within the promised time frame.

I had requested some form of confirmation that the conversation occurred and that Mohela was, in fact, processing my refund request. I was told they can not send out confirmation emails or anything to prove they indeed did send in the request. I realize that with the influx of calls Mohela is experiencing, having the money returned could take some time, but it is very concerning to me that they are saying this entire process can take 90 to 150 business days minimum when other student loan providers have a much quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance just 36-72 hours later after requesting it makes me very concerned that this company does not have our best interests at heart and could not care less about the life altering effects that their decision to ignore consumers is having on so many people 's individual lives and well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act -XXXX XXXX XXXX  Account Number : 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
Product: Checking or savings account

i opened a bank account with axos bank on XX/XX/XXXX i set up my VA directl deposit to be sent to my new account then on XX/XX/XXXX i get a email that there closing my account i wasn't able to get my direct deposit changed because it was past cutoff and my direct deposit went to this account but it had been in pending closure status since the XXXX and wasn't closed so they received my direct deposit i called on XX/XX/XXXX and they said my account would be closed and my funds would be mailed its now XX/XX/XXXX i called and its still not been closed and my funds have not been mailed yet and i have bills that are past due now and they won't tell me when it will be sent
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX  XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX Experian and XXXX  responded to my complaint that I filed with the CFPB regarding Chapter XXXX bankruptcy that is on my consumer report each of the credit bureaus claimed that they verified this information with the Federal Courts, they never provided me with a name, address or person. It just states it was verified by courts. On XX/XX/XXXX I wrote to US Bankruptcy Court asking did they verify my information with credit buraus and they sent back the attached correspondence stating they do not verify records with credit reporting agencies. I also checked Experian and XXXX  websites an it states they both verify bankruptcies with the courts.
Product: Student loan

I previously had a student loan account that was managed by Navient. I had the loan re-financed XX/XX/XXXX by a new student loan company, XXXX. The loan pay off amount in XX/XX/XXXX was {$21000.00}. 

Now, Navient shows that I still have an outstanding balance of {$910.00}. Navient has continued to charge interest on my account but never notified me that the loan was underfunded. It is clear that Navient benefits from underfunding consumers loans as they then are able to continue charging interest against the consumer. Interest charged is at a rate of 6.8 %. The due date for the outstanding balance is XX/XX/XXXX. 

I contacted Navient to request information. Navient is blaming XXXX as at fault for not fully funding the loan. However ; my argument is that Navient has knowledge of an underfunded loan ; XXXX would not be aware of any outstanding amount. They stated that the due date on the loan is in the year XX/XX/XXXX so they were not notifying me until nearer that date. Navient failed to address my concerns and rather told me to contact the U.S. Department of Education. 

I am filing a formal complaint because Navient is benefiting from failing to inform consumers when a loan is under funded. I am likely not the only consumer that has had such an experience.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

I have just received notice today from our payroll dept. that Nelson and Kennard filed a lawsuit against me and have won a judgement against me to garnish my wages. I am going thru a divorce and have half my GROSS wages withheld for CURRENT child/spousal support. How can I stop this? When was the hearing????
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. I learned my personal information was used to open an account at your company in XX/XX/2021. I have on numerous time disputed this infornation with the credit bureaus and time and time again you verify that this account is mine. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that AFFIRM absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and you are showing on my credit report this fraudulent item related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : XXXX. Application records or screen prints of Internet/phone applications XXXX. Statements or invoices XXXX. Payment/charge slips XXXX. Investigators summary XXXX. Delivery addresses XXXX. All records of phone numbers used to activate or access the account XXXX. Signatures on applications and accounts XXXX. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : XXXX notify the original creditor that the debt is the result of identity theft ; XXXX stop collection proceedings against me ; XXXX cease reporting this information to the credit reporting agencies ; XXXX provide me with the information I am requesting ; and XXXX take all actions required of you as a furnisher of information to credit reporting agencies. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Thank you for your cooperation. 
Enclosures : Identity Theft Report CFPBs Notice to Furnishers of Information [ PDF ]
Product: Credit card

I use " Square '' credit card " XXXX  '' or XXXX  for receiving payment from customers. 

XXXX  In case a customer payment dispute *Square* does not allow me ( XXXX user with XXXX  phone ) any defense about any disputed payment. They unilaterally make decision about disputed payment without giving me any opportunity to defend my argument or point of disputations. 

XXXX I do deserve a defense that " Why the disputed payment is a valid credit card charge ''? Forceful decision based on technicality is a malpractice whoever does it! 

XXXX My argument is XXXXSquare* should provide adequate opportunity to their *XXXX  or any other payment device '' user to defend or prove *Why the payment was a valid charge? * Here is the charge by me using my *Square XXXX* : TOTAL DISPUTES {$84.00} TOTAL DISPUTED FUNDS Dispute History Date Disputed Date of Payment Location Resolution Disputed Amount XX/XX/2024 XX/XX/20XXXX XXXX Resolved in customers favor {$67.00} XX/XX/2024 XX/XX/2XXXX XXXX Resolved in customers favor {$17.00}
Product: Credit card or prepaid card

For 3 months since XXXX my minimum payment has not been reported correctly through the app, resulting in late fees each month. I have paid the more than the minimum payment listed every time, but somehow less than the actual minimum payment required to not get a late fee.
Product: Credit reporting or other personal consumer reports

XXXX found the XXXX Sight Capital account to be inaccurate and deleted it, Equifax and XXXX are also required under the Fair Credit Reporting Act ( FCRA ) to conduct their own investigations and correct or delete any inaccurate information. If they fail to do so, they are violating federal law. Key Points Supporting Your Case : 1. FCRA Violation - Failure to Delete Inaccurate Information : The FCRA ( 15 U.S.C. 1681i ) requires all credit reporting agencies ( CRAs ) to investigate and remove inaccurate or unverifiable accounts once they are disputed. 
If XXXX found the information inaccurate, Equifax and XXXX can not legally continue reporting it. 
2. XXXX XXXX Capitals FCRA Violations : Reporting a charge-off for 24 months instead of a one-time event violates FCRA guidelines. Charge-offs should be reported once, not continuously. 
If the vehicle was never repossessed, XXXX XXXX XXXX misrepresented the status of the debt, which is considered furnishing false information under 15 U.S.C. 1681s-2.

3. 
XXXX XXXX XXXX engaged in unfair and deceptive credit reporting, damaging my credit unlawfully. 

XXXX role in the fraudulent transaction makes them liable under Texas fraud laws and possibly civil theft laws ( Texas Penal Code 31.03 ). 
The illegal charge-off harmed my credit for XXXX  months, giving me strong grounds for actual damages, emotional distress, and statutory damages under the FCRA ( {$1000.00} per willful violation ). 
All documentation that was needed to remove this and delete this fraudulent off of my account somehow wasnt received although I sent the documentation that I was asked for multiple times. This account is fraudulent and it is unenforceable and it does violate FCRA guidelines. There are multiple inaccuracies involved with this account including the fraudulent activity committed by the creditor who has knowingly damaged my credit report.
Product: Debt collection

Had a newspaper subscription for one year paid in full at the beginning of the subscription. When it expired I told them I was not renewing. The paper continued to be delivered for a few weeks then stopped. Two months later I start getting phone calls and letters from A.R.M. Solutions telling me I owed them money for the paper AFTER the subscription expired and AFTER I told them I was not renewing. They want {$59.00} or they will ruin my credit!