23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

After seeing press coverage of complaints filed with sister states ' attorneys general and the Consumer Financial Protection Bureau, I believe I am the victim of deleterious payment processing errors and curious trade processes. In XXXX XXXX, I took out a student loan in the amount of {$10000.00}. I began making regular payments in XXXX XXXX. In particular, I scheduled a payment for XXXX XXXX. While the funds were withdrawn from my bank on that day, Navient did not register the payment until XXXX XXXX the following year, which means the balance continued to compound despite the payment. In fact, I noticed that I had to schedule payments for Mondays because payments made later then Wednesday were withdrawn from my bank account but not credited until the following week. 

Around XXXX XXXX, I enrolled in a class at an accredited Oklahoma public college, which was reported to the Department of Education and caused me to enter a state of deferment. Regardless, I continued to make payments. When I signed the loan contract, I was given an interest rate of 5.84 %, and when enrolled in the autodebit plan, I would receive a .25 % rate reduction. I signed up for the autodebit, but because of the deferment status, it was suspended and the corresponding rate reduction did not materialize. I had to schedule payments manually and at a higher rate. Beginning this month, the autodebit finally activated and triggered the lower rate of 5.59 %, which means I had a higher rate for around 285 days.
Product: Credit reporting or other personal consumer reports

I submitted a notarized affidavit of account validation to Experian via certified mail. XXXX XXXX, 2024 Experian returned with competed investigation XX/XX/2024 via email. 
Today I just submitted a notarized affidavit for method of verification via certified mail XX/XX/2024 XXXX
Product: Checking or savings account

Good afternoon, Recently our family was scammed out of our entire checking and savings accounts. My wife was on their Wells Fargo website taking care of bills and transfers when she was prompted by the Wells Fargo website that she was being hacked. They called, verified that the message she received was Wells Fargo, verified our bank account information and directed her to pull all the accounts money, up to {$17000.00}, and directed her to deposit the money into another account under the pretense that they were representing Wells Fargo and were in the account. The scammers also had personal social security, address information, and family information that was stored on the Wells Fargo accounts to verify that they were with Wells Fargo. 

The Wells Fargo bank allowed both our savings and checking accounts to be cleaned out in the same visit. The bank did not ask questions and allowed for the accounts to be wiped instantly. We have claims with the Wells Fargo bank account but they are denying the claims. 

Thank you
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$340.00} XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX has a history of extending credit to an identity thief. I have always had an active and current account. ( XXXX was closed with all equipment turned in and paid in full on or about XXXX of 2020. ( the above account is accurate and the only account that belong s to me ) ( All other accounts are fraud. ) One such fraudulent account was sold by XXXX to waypoint resource group. I have reached out to both XXXX, and Resource Group with proof that I had a valid account at the time and the account XXXX and waypoint were collecting for is not mine. Obviously identity theft. Again XXXX has a history of issuing credit using my name and social while I have a valid account. Obviously someone fraudulently living at another address or address I no longer occupied. Ultimately having one open correct account and one open fraudulent account. The total balance for this particular fraudulent account {$570.00} waypoints account number XXXX. I do not know the XXXX account number they are trying to collect on. As stated, it is not the valid account listed above. If they bothered to look, the address are different bet it is for a state I am not living in as well.
Product: Money transfer, virtual currency, or money service

I have contacted my credit card issuer XXXX XXXX, along with the federal trade commission, and PayPal to notify them of a fraudulent transaction that I tried to work out with the merchant XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I purchased a online real estate course that and XXXX  coaching which I was not rendered. After months of reaching out to XXXX XXXX via email and phone I realized that I was scammed. The advertising was misleading all to get my {$2900.00}. XXXX did not return phone calls, meet the standards she set in the invoice nor give me a completed course. I contacted her a final time via email attached below before reaching out to other avenues for help to get a refund from PayPal for {$2900.00}
Product: Student loan

I went to XXXX in XXXX. I was never told about my student loan and am now paying a private loan through XXXX/ Navient at 13.375 percent interest. I have a copy of my student loan exit interview with the box unchecked signed and dated. I believe the school and XXXX are and were preditors
Product: Money transfer, virtual currency, or money service

In XXXX of 2023 my account was deactivated for an unknown reason. Since then I have attempted to get the rationale to no avail. Today I was told it will not be reactivated and they won't be revealing why. I can not correct what I do not know. I do XXXX XXXX XXXX XXXX  to customers. I haven't used square often but have had issues. I joined a group of square users on XXXX and this seems to be a consistent practice. Withholding funds in accounts and randomly closing accounts without explanation. As a XXXX XXXX XXXX who relied on this account I am dumfounded as to a company being allowed to run a company without oversight and effecting the livelihoods of consumers to sometimes a devastating effect.
Product: Student loan

On XX/XX/, my account was removed from administrative forbearance for no reason and is supposed to be in forbearance until they can process my student loan discharge which the Department of Education has approved. Mohela has all of this information, and I called yesterday and was told after waiting for more than 2 hours that the forbearance was removed because of an error and that it would be put back in place, however, on XX/XX/. I received a bill that I owed a payment. Therefore it is obvious that they did not complete the process or follow through with their word. Last time it took three complaints from the Department of education to get the account put in administrative forbearance in the first place because of my borrow defense application and the lawsuit approval of which they have all of the correspondence and information from the department of Education, which they have received at least two times, and a letter from me as well.
Product: Checking or savings account

They declined my claim for a fraudulent purchase on XX/XX/2024 for XXXX. ive been very loyal to chase and it saddens me that theyve declined my claim. Theyre removing my XXXX credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX in which respectively I have submitted disputes to Experian and XXXX on the XXXX of XXXX and they have failed to get back to me and respond regarding my issues. XXXX fails to respond and meet my demands in which I submitted an FTC report as I had my identity compromised on the dark web and Experian has failed to send me an email update from when I reached out to them in XXXX. It has been a substantial amount of time and I contacted them via certified mail which hasn't came back about some collection accounts in my name that I want fixed and removed off my credit report that aren't mine. I am reaching out to the cfpb in the hopes of helping me to fix and address these issues as me reaching out to them has not been enough.
Product: Debt collection

AARGON is reporting a medical collection on my credit report that they have re-aged in an effort to do damage to my credit and thus force me to pay them when I am in dispute. It is a medical bill that my insurance company was billed and they paid. I do not understand why they feel their is still a balance. I have asked for an itemized accounting of the bill many times but never have received it. They have not validated the debt yet they are reporting it, re-aging it, and it is a duplicate. They are also reporting it under " XXXX '' on my report as opening XX/XX/XXXX. So to summarize they have never attempted to validate this debt despite my disputes, have re-aged and duplicated this alleged debt.
Product: Mortgage

Shellpoint mortgage requires text message verification to log into your online account. I was unable to receive the text message and reached out to their customer service on XX/XX/XXXX after several attempts to find another way to make the payment. On XX/XX/XXXX they responded but didn't even address my concern and just reset my password. Then they charged me a late fee. I've never missed any type of payments and their lack of customer service cost me money and may impact my credit score.
Product: Consumer Loan

I had an auto in 2007 from Wells Fargo. They repossessed the car when I I lost my job. They charged it off after I was still paying them. they sold the car for more than what I owe. 
Now they reaged the account and keep adding more to the fee all of these years later. They are reporting false information on my credit. I asked them to send me validation and a copy of the bill of sale showing how much they sold the auto for, but they just ignore me
Product: Student loan

Over the course of this loan 's repayment period, any and all requests for adjustment of loan repayment were denied. This included requests for a transfer to an income-driven repayment plan. Eventually, the total monthly loan payment of over {$1500.00} was unable to be paid. After this occurrence, while discussing repayment option, I once again asked about repayment options - specifically, income-driven repayment. I was informed that they did, in fact, have such a program, but since I had posted a late payment, I was ineligible. 

In conclusion, it appears that the loan servicer lied about repayment options until I had lost the ability to apply for such programs due to the amount of the monthly payment. 

The monthly payment remains in excess of {$1500.00}.
Product: Checking or savings account

The vystar website has been down for over a month. I have been unable to access my account to monitor my account due to vystar mismanagement of their online banking. Repeatedly customers were assured their funds were safe. I got a text today XX/XX/2022 that I had a fraud for {$1.00} but it was really {$100.00} and Came to find out that this has been going on since early XX/XX/2022. Vystar never caught this fraud when it was coming from CA or WA or NY when I am in FL. In total my fraud has been up to {$250.00} and has been going on since XX/XX/XXXX. I was told that I had more charges that werent even popping up on my bank online account.
Product: Debt collection

There is a {$400.00} utility bill in my name and its at a place i dont live. The bill is not mine. 

It is XXXX
Product: Bank account or service

According to a number of recent articles released today, such as ( XXXX ), Scottrade Bank as well as Scottrade XXXX was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade XXXX XXXX is the victim which means the hackings encompassed both Scottrade Bank and Scottrade XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to demand removal of late payments from my account in accordance with us law. The FCRA reserves my right to privacy and in 15 usc 1681 section A2ai specifically states transactions and experiences are to be excluded from the report. I ask the all applicable laws be followed to preserve my right to privacy and credit worthiness. Thank you for your time and attention i hope you are well. 

Here are the accounts late payments need to be removed from. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I called XXXX XXXX advised them that I have been Directly impacted by XXXX and not working. I provided them with what insurance I had at that time. Theyve disclosed my medical records and account to agent without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continue to contact the three credit bureaus XXXX XXXX Equifax and XXXX about a bankruptcy reporting on my credit report that should not be reporting on my credit report because it is reporting information that I did not give permission. It has since been removed from the files of XXXX and it should be removed from all of my files from the three credit bureaus but it continues to report that it is verified and continues to report an accurate report while hurting my credit at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX  XXXX {$480.00} XXXX  XXXX {$1300.00} XXXX XXXX {$760.00} XXXX {$220.00} XXXX  XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple, several, and numerous attempts I have made to remove fraudulent items from my credit report. Despite my persistent efforts, these unauthorized entries continue to negatively impact my creditworthiness and financial standing. 

I have taken the following steps to address this issue : Filed detailed dispute reports through your online dispute resolution system. 
Submitted supporting documentation, such as identity theft reports, police reports, and any other relevant evidence. 
Despite these comprehensive efforts, the fraudulent items remain on my credit report, causing potential harm to my financial reputation and jeopardizing my ability to access credit on fair terms. 

I am formally requesting an urgent and thorough investigation into the fraudulent items mentioned above, and I insist on the immediate removal of these inaccuracies from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects my true financial history. 

Enclosed with this letter are copies of the supporting documents previously submitted, including identity theft reports, police reports, and any correspondence with relevant authorities. I trust that this information will aid in the prompt resolution of this matter. 

I expect a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and an updated version of my credit report reflecting the removal of the fraudulent items. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted request for all 3 free annual credit reports in October, 2018.  Promptly received 2 of 3 reports, did NOT receive the report from Equifax. 
This same issue occurred in XX/XX/XXXX and was resolved after reporting this to the CFPB.
Product: Debt collection

I XXXX XXXX sent Capital One Bank a cease and desist/debt validation notice on XX/XX/2021 regarding a debt they are reporting to the credit bureau attached to my file. 
Capital One Bank did not respond pursuant to 15 usc 1692 ( G ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding incorrect items on my credit report, it has been well over 30days. and I have yet to receive any investigation results!
Product: Checking or savings account

The subject of this complaint is PNC Bank. During the second week of XX/XX/2018, I transferred {$300.00} or so from " XXXX XXXX '' to " PNC Bank '' and received an email about four days later saying that the money had been received in my PNC account and would show up within three business days. To date, I have contacted PNC via online chat a week after I didn't receive the funds, then called four times, reached out by email and phone to an executive client relations person at PNC two weeks ago. I still see no funds in my PNC account. It's been almost a month now, with no sign of the funds showing up in my PNC account -- even though PNC confirmed that they've been received, and they were taken out of my XXXX  account just fine! 

I am contacting you so that PNC checks its own records and properly reflects this {$300.00} received transaction in my account. Right now it is essentially stolen by PNC or XXXX -- I don't know. The documents I have attached clearly tell the whole story.
Product: Credit reporting or other personal consumer reports

Re : Account # XXXX XXXX elements of misrepresentation are : A representation was made, The representation was false, The defendant knew the representation was false, and The defendant intended the plaintiff to believe the representation ; - [ x ] STATEMENTS OF MATERIAL FACT : The misrepresentation must be a statement of fact that is material : - XXXX XXXX was paid in full according to the terms agreed upon between XXXX XXXX and Borrower. XXXX XXXX POSTED THE FINAL PAYMENT ON XX/XX/XXXX and received ON XX/XX/XXXX. 

- Jointly both XXXX XXXX and XXXX ENGAGED IN FRAUDULENT actions of Credit Report manufacturing and FALSIFIED IRS REVENUE documents on or XXXX XXXX - XX/XX/XXXX. 

- Jointly both XXXX XXXX and XXXX ENGAGED IN FRAUDULENT actions when providing written statements in XX/XX/XXXX and XX/XX/XXXX to CFBP that lacked evidence to rebuttal Borrowers Disclosures. 

- [ x ] CONTRACTUAL PROMISES : One party to a contract makes false promises about their ability to perform obligations : - XXXX XXXX, is in Breach of Contract. On XX/XX/XXXX XXXX XXXX  Agreed to a RENEGOTIATED AND RENEWED LOAN CONTRACT with ENCOMPASS RECOVERIES AND BORROWER. BORROWER upheld timely payments PER agreement and completion under SATISFIED Terms - [ x ] DAMAGES : The plaintiff must have suffered some form of harm or loss as a result of the misrepresentation : - 11 U.S.C 524 ( c ), ( f ) Creditors can not collect discharged debts.This order means that no one may make any attempt to collect a discharged debt from the debtors personally.For example, creditors can not sue, garnish wages, assert a deficiency, or otherwise try to collect from the debtors personally on discharged debts. Creditors can not contact the debtors by mail, phone, or otherwise in any attempt to collect the debt personally.-THIS INCLUDES FALSE FURNISHINGS TO FORCE Pay for Delete. 

- Borrower received Order of Discharge on XX/XX/XXXX. XXXX XXXX fraudulent claims of XXXX XXXX deficient and falsified records are in fact in violation of Federal Bankruptcy Protection Rules. 

- The remaining balance satisfactory completion of terms was {$440.00}. XXXX XXXX has elected to ILLEGALLY FURNISH, COMMIT PERJURY, and DEFRAUD IRS with full knowledge upon civil suit filed against company will cost them significantly more. XXXX XXXX ruined borrowers credit and XXXX XXXX will be held accountable for her misconduct and mishandling of classified information. 

- [ x ] DISREGARD : The defendant must have knowingly lied or had a reckless disregard for the truth : - Borrower received Order of Discharge on XX/XX/XXXX. XXXX XXXX fraudulent claims of XXXX XXXX deficient and falsified records are in fact in violation of Federal Bankruptcy Protection Rules. 

- All Non-Secured Debt listed on XXXX  XXXX Bankruptcy Petition HAS BEEN DISMANTLED and IS NONEXISTENT - ACCOUNT # XXXX was settled and closed on XX/XX/XXXX. XXXX XXXX XXXX and XXXX PREDATORY LOANS has openly admitted illegally furnishing beyond XX/XX/XXXX. 

Misrepresentations do not always need to be positive assertions. They can also include gestures, partial-truths, innuendos, or failure to disclose.
Product: Credit card or prepaid card

XXXX XXXX PREVIOUSLY INFORMED ME THAT THEY ALLOWED A DATA BREACH OF MY XXXX XXXX CARD # XXXX XXXX XXXX XXXX AND THAT THEY HAD CANCELED THE CARD. THEY CONTINUE TO THREATEN ME WITH BILLS FOR CHARGES NOT MADE BY ME. I NO LONGER HAVE THE CARD. THEY REFUSE BY PHONE TO DISCUSS THE MATTER. 

I WOULD LIKE THE CARD CANCELED AND FOR ME TO BE RELEAASED OF ANY LIABILITY ASSOCIATED WITH THE CARD. XXXX XXXX REFUSES TO DO THIS. 

I NO LONGER HAVE THE CARD
Product: Credit reporting, credit repair services, or other personal consumer reports

on EQUIFAX i had a hard inquiry I disputed because I didn't apply for anything for XXXX XXXX  on XX/XX/2022 then right after I submitted another inquire from XXXX XXXX showed up on my credit report XX/XX/2022. Equifax emailed me saying The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. they didn't do a investigation because I didn't apply for anything they should have deleted not add another inquiry
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$690.00} XX/XX/XXXXXXXX XXXX {$680.00} XX/XX/XXXX THESE NOT MY ACCOUNT I HAVE NO KNOWLEDGE OF THESE ACCOUNT NOR DID I AUTHORIZE ANYONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDITORS ARE VIOLATED SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY. PLEASE PROVIDE ME WITH A CONTRACT WITH MY WET SIGNATURE.

In accordance with the Fair Credit Reporting dct.

The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  AND 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 accordance with the written my instructions