23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have XXXX private student loans managed by Navient and I have made student loan repayments to them for over 3 years. Recently, they enrolled me in a special repayment program started from XXXX 2015. Navient & I both mutually agreed $ XXXX monthly payment at 3 % interest to cover the XXXX private student loans mentioned above in order to bring my XXXX student loans into current. I set up auto debit with Navient and they have withdrawn XXXX payments with total of {$1200.00} from my checking account. After withdrawing the first payment on XXXX XXXX, 2015, their staff called me and told me that the previous staff & supervisor did not set up the program correctly, then she cancelled the program and re-enrolled me into another one. A month later, Navient took out another {$630.00} from my checking account on XXXX XXXX, 2015. A few weeks later after second payments withdrawn from my checking account, their another staff called me and told me that the XXXX previous staff did not enroll me into the program correctly, then she cancelled this program and re-enrolled me into another XXXX again. Today XXXX XXXX, 2015, XXXX from Navient called me and told me that the XXXX previous staff ( again ) did not enroll me into this program accurately and the total of {$1200.00} that Navient took out from my checking account did not apply to my qualifying XXXX student loan accounts as initially agreed, resulting the XXXX accounts in delinquent / past due. XXXX told me that she will re-enroll me into another program again... I 'm really frustrated that Navient & their employees have keep calling and telling me that their unqualified staff keep making mistake on my accounts. May I request further investigations on their operations as I believe they are systematically commiting fraud. After over 3 years of making student loan payments to XXXX / Navient, my current balance is almost double original amounts that I got loans from them.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I opened an account with Robinhood. I transferred {$1000.00} by debit card to my account and then deposited {$12000.00} by wire from my bank account. These deposits were accepted by Robinhood as were the subsequent purchase transactions for XXXX. As soon as the XXXX was purchased, Robinhood restricted my account and removed my XXXX and my remaining cash from my account, also on XX/XX/XXXX, as shown on the monthly statement. I contacted Robinhood immediately and numerous more times during the subsequent XXXX  weeks. I explained repeatedly that those funds were for a dire medical emergency and needed to be sent immediately. For XXXX  weeks now they have ignored my pleas to release my funds. Now they say they will send me a check which I should get in another XXXX  weeks. Robinhood apparently has been using my funds/XXXX  and meanwhile, it has caused costly XXXX  interventions to try to keep the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Robinhood is responsible for these costs and will be held accountable for wrongful death. 

I am XXXX XXXX XXXX and Robinhood 's handling of my finances has been devastating. In addition, I was informed that I had to add more funds to a XXXX XXXX  connected to my Robinhood account in order to get my original funds. I had to send my bill money and borrow additional funds at high fees. Despite sending an additional XXXX XXXX it was still not enough but everything I deposited, Robinhood removed, even from my XXXX XXXX 

The person needing the XXXX remains in XXXX XXXX yet Robinhood won't return my funds to my bank account. This is a matter of life or death and Robinhood 's handling of this matter has been unconscionable.
Product: Debt collection

A report of a auto sent through Ally Financial is listed on my report that was included in a bankruptcy. Im have a bankruptcy showing in my report and a ally CO showing 90 days late which is incorrect. This account was paid in full and on time. This ally account is only being reported by XXXX  and needs to be removed immediately Im being penalized twice for the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has continued to report US Department of Education student loan accounts XXXX and XXXX Fed Loan XXXX as Derogatory since XX/XX/2020 in direct violation of US CARES ACT. These loans are currently under a CARES ACT forbearance. On XX/XX/2020, Congress passed, and the president signed into law, theCoronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which provides for the above relief measures through XXXX XXXX, 2020. I have contacted the Department of Education and XXXX several times and they assured me this reporting would cease during this time. I attempted to dispute with XXXX as recently as XX/XX/2020 with XXXX refusing to open the FCRA dispute. XXXX   is causing continued damage and irreparable harm to my credit rating during a very difficult time for me personally and our country having been affected by the natural disaster. 

On XXXX XXXX, 2020, the President directed the Secretary to continue to suspend loan payments, stop collections, and waive interest on ED-held student loans until XXXX XXXX, 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I contacted this company to see what help they were providing customers like myself during this pandemic. The best they would do is place one payment at the end of my payday loan, which is no different from what they would do as one-time courtesy outside of this worldwide pandemic. I told the representative that I was unable to keep up with these payments. The representative offered no help. The representative went on to say that missed payments would be subject to the terms and agreements documented in the contract. In speaking with a friend about it and describing the loan I was in, the person informed me that payday loans are illegal in Massachusetts given the high interest rate that exceeds the lending requirements of the state. I was also informed that this loan falls under predatory lending and violates Massachusetts law. I went to the Massachusetts website to obtain more information. The website did have information stating payday loans being illegal in Massachusetts. The original loan amount was XXXX dollars. The company is withdrawing more than XXXX dollars out of my checking account every two weeks. The interest rate on this loan is 789.97 % and I'm paying more than XXXX dollars per month, most of which is interest. When I took out this loan, I did not realize how high this interest would be. In the end, I will pay more than XXXX dollars for a XXXX dollar loan. I've already paid the original loan amount back with interest. I can not keep up with these payments. What are my options?
Product: Credit card

My wife and I were at a hotel in South Dakota, and the next morning the phone rang and the caller said they were the front desk and there had been a computer malfunction, and they needed her card number again. SHE gave them the card number, as I walked into room. She told me what I happened and I immediately went to hotel front desk, figuring she had been scammed. We called the credit card company immediately, to report the fraud. and there was {$2800.00} billed to our card already.We received a letter, from Syncrony fraud division, we filled it out and sent it in. We thought that was the end of the issue. Today I received a letter From Synchrony stating the fraud was our fault and now we owe them the {$2800.00}. My understanding is they are not following the law themselves, by trying to get consumer to pay for the fraud
Product: Student loan

My loans are serviced with MOHELA. 

I have needed to submit 3 requests to have the SAVE plan on my account. My income is ~ {$93000.00}.

My first application put me on the PAYE plan instead of SAVE, so I had to submit it a second time. 

For my second application, I just received a notice that the monthly payments will be > {$2000.00} a month on that plan. That number is absolutely incorrect based on Mohela 's estimator, my self-reported income, and the Federal Student Aid estimations. 

I resent a THIRD one today through studentaid.gov with proof of my income. I need to get my payments working due to PSLF eligibility and they keep giving different numbers every time I request the SAVE plan despite my income being the same each time- it's unbelievable.
Product: Credit card or prepaid card

CapitialOne has been my longest opened credit card account and had been opened for over 10 years and has a high importance on my overall credit score. I have used the account recently due to the account offering no desired benefits and have not closed the account due to its negative effect on my credit. CaptialOne closed my account on XX/XX/XXXXdue to inactivity without any warning, notice and contact attempts. This closure without notice or cause has dropped my credit score sixty three points downgrading it from " excellent '' down to " good ''. I received a Letter in the mailXX/XX/XXXX informing me of the account closure. Furthermore the letter claims the closure can not be reversed. I have called CapitalOne customer service in an attempt to reopen the account because this closure closed. They refused to reopen the account or let me speak to anyone above entry level management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did try to contact rental history reports and Hunter Warfield about inaccuracies all my file and I have a court document that I sent to rental history reports about me and my daughter because she's in the household and also on the report they refused to remove it they refuse to correct the file we keep going around in circles they think it's a joke and it's not funny to me this is stopping me from getting an apartment and they just don't care Hunter Warfield is being rude and disrespectful and I've tried to explain to them what it was and I have proof but they refused to listen to me they keep talking over me and not listen to what I'm saying to them
Product: Money transfers

I did a international transfer on XX/XX/2016 of XXXX to XXXX ( XXXX ) using 3-5 days of remit service and they showed on their website credit date of XX/XX/2016. I received a confirmation email from their system as well as one of their agents emailed again confirming the date. I did n't receive the money on XX/XX/2016 and when contacted them by calling, they simply denied saying XX/XX/XXXX is a holiday and the amount will be credited on XX/XX/2016. I will incur monetary losses due to this delay. When initiating the transfer their system was n't able to verify the holiday and also an agent personally confirmed the date. They provided a range of 3 to 5 days and they are conveniently taking consumers for a ride. I see several remittance related complaints for this company and feel it 's moral responsibility to report against to protect consumer rights, they should be suspended from business for not following ethical business practices. XXXX/
Product: Credit reporting, credit repair services, or other personal consumer reports

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX  XXXX {$6900.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX 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 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant : XXXX XXXX Date of Incident : XXXX XXXX XXXX  Issue : Data Breach and Unauthorized Access to Student Loan Account Complaint Details : On XXXX XXXX XXXX, my student loan account was compromised due to a data breach involving XXXX XXXX and Doge. My personal and financial information was accessed without my consent, violating my right to data security and protection. This breach has put my financial standing at risk, and I am now facing potential identity theft and unauthorized activity on my account. 

I request an immediate investigation into this matter, removal of any affected accounts from my credit report, and assurance that my personal data will be secured moving forward. 

Resolution Requested : 1. Immediate removal of the compromised student loan account from my credit report.

2. Confirmation of data security measures taken to prevent future breaches.

3. Investigation into how my information was accessed and used. 

Please address this matter promptly. 

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

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX XXXX XXXX TransUnion has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX. I believe it was reported in error. 
XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting

This account is on my credit report, Does not belong to me, I called XXXX and was told there is nothing that can be done today, I have to mail a letter to their consumer affairs department. There are multiple accounts on my report, as well as employment info and address info I will continue to call the creditors in effort to get the false info removed Account Name XXXX Account # XXXX Account Type Conventional Real Estate Loan, Including Purchase Money First Date Opened XX/XX/XXXX Account Status Closed Payment Status Foreclosure proceeding started I have attached a copy of some of my Credit Report from Experian. I have never lived in XXXX Oklahoma, any info regarding that is false
Product: Credit card or prepaid card

On XX/XX/20 I contacted the card company XXXX XXXX  - Way2 Go Card about unauthorized charges on my card. Fraud Service Dept for the card sent along papers for me to complete that included the fraudulent charge, which I completed and returned. I received a letter stating that a provisional credit of XXXX was added back to my account. A few days later they took the money back out of my account and sent another letter stating that there was a conflict in the information I had submitted. I did make a mistake by adding one item that was not fraud but a valid purchase. The error amount was for {$27.00}. I have tried almost everyday to get in touch with the fraud department with this card. I am placed on hold and no one ever answers. Most recently I was on hold for 4 hours and had to hang up. I spoke with XXXX today and she stated that the case was closed on XX/XX/20 and I would need to reopen the investigation and she could not do it. I had to speak to someone in the fraud department. I expressed my concern with being transferred to the XXXX XXXX XXXX. to XXXX, " no one ever answers '' she apologized and stated that she could not help any further other than transfer my call the the fraud dept. She transferred the call and I am now on hold. I have been on hold for XXXX hours. There is {$2800.00} fraud charges on my account and I can not get any help from this card company. I need my unemployment money returned to my account.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXX*********** Account Name : XXXX FCU # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX FCU # XXXX Account XXXX : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, I disputed information within my consumer report. Equifax refuses to remove the information although sufficient evidence has been provided to remove the disputed accounts.
Product: Credit reporting or other personal consumer reports

Its over the 4yrs statutory limitation in Pennsylvania but 7yrs has passed. Equifax has it on file for 8yrs. Also I dispute the accuracy of XXXX XXXX, dates and amounts are different on all 3 credit bureaus.
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 Account XXXX, XXXX XXXX Account XXXX, XXXX Account 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: Debt collection

Somehow my boyfriend who I am not married to debt collector keeps calling me. 
I've informed them 3 times, I am not the person they are looking for
Product: Credit reporting, credit repair services, or other personal consumer reports

There is another womans information coming up for employers and other companies that use this service, telling them that I have a criminal record, but I Do not. Ive never been arrested or put into handcuffs or even been convicted of a crime. 

I have a letter from the local sheriffs department showing that I have a clean record, and Im willing to share addresses, my ssn, and anything else I have to to get this report fixed. It is ruining my life, Ive been denied jobs without a second thought from them, Ive been denied air bnbs, and credit cards and even housing due to this other persons information and I cant handle the stress anymore. Its causing me a great amount of grief and stress, I cried all morning because our vacation is ruined because of this incorrect report you gave to air bnb. 

Please tell me what else, other then this letter from the sheriffs department, that I can send to help prove Im not this other person and to help Separate myself from this other person.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Venmo for grossly violating my consumer rights. Despite repeated attempts to resolve an issue, Venmo has continuously hindered my requests and ignored communications from my bank, XXXX, regarding a dispute that has already been resolved and completed. 
in XX/XX/2023 My bank initiated a fraud dispute from venmo on XX/XX/XXXX for XXXX $ for XXXX XXXX CASE ID # XXXX However, upon further review, I realized that the dispute was not necessary, and I promptly requested its withdrawal. This withdrawal was not made in favor of either party but was a mutual agreement to resolve the matter amicably. 

Following this request, XXXX swiftly acted upon my instructions and officially withdrew the dispute, as documented in the attached letter from XXXX Despite providing this official documentation to Venmo, they have persistently disregarded the resolution and continued to treat the matter as unresolved. 

Furthermore, Venmo initially assured me that providing the letter from XXXX would be sufficient to resolve the issue. However, upon receiving the official letter, Venmo suddenly claimed that it was not enough. This inconsistency in their response is highly concerning and demonstrates a lack of transparency and accountability on their part. 

Additionally, I have encountered numerous obstacles in my attempts to communicate with Venmo regarding this matter. Multiple representatives have either abruptly ended chats or hung up on my calls. In an apparent attempt to avoid addressing my concerns, Venmo even removed the option of chat from my means of communication after I initiated chats daily to seek resolution. When I requested to speak with supervisors or managers, I was either ignored or transferred to another low-level representative, further exacerbating the issue. 

Furthermore, Venmo has frozen my account and informed me that they would be closing it. However, it has been more than 90 days since they took this action, and my money remains inaccessible, leaving it in limbo. 

This prolonged delay in resolving the matter and withholding access to my funds is unacceptable and adds further distress to an already frustrating situation. 

I urge the XXXX XXXX XXXX to thoroughly investigate this matter and take immediate action to rectify the situation. Venmo must be held accountable for their actions, and measures should be implemented to ensure that consumers are treated fairly and that their rights are protected. 

Thank you for your attention to this matter, and I trust that swift action will be taken to address these concerns.
Product: Credit reporting or other personal consumer reports

i checked my credit report and have a late payment reporting from XXXX XXXX XXXX XXXX i have contaced them several times to update my payment details to a new card on file due to my phone and wallet being confiscated by law and they denied my request several times telling me i had to be able to login my account to do it but i couldnt due to 2step verification which its sending a code to a phone number i know longer had any access to. ive never missed a payment or anything my phone being took and wallet caused the mishap and i let them know and tried providing them documetation of it from the police