23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I graduated in   XXXX   and promptly consolidated all of my student debt into an income-based repayment plan. My original consolidation loan with the Dept. of Education was sold to Great Lakes. For the past six years, Great Lake has refused to recognize that I have a consolidation loan. They say that " We have put you into a standard repayment plan. '' and then want me to sign up for a NEW consolidation loan. If I do that, the terms of my existing loan will be negated, which I do not want to give up. Great Lakes says they do n't have a copy of my original promissory note, which I do have a copy of and have sent them. They STILL refuse to accept my existing consolidation loan. My original student debt was {$60000.00}. In 7 years they have added so many penalties and interest that today (  XXXX   XXXX  ) I owe more than {$80000.00}. I will never be able to pay this off. They list my loans as defaulted, which mean I will never be able to buy a house, get a credit card, or improve my credit rating. This has RUINED me financially. I have attempted many times to talk to Great Lakes and sent them copies of my promissory note, but they refuse to abide by the terms of my consolidation contract. I tried the federal student loan ombudsman, but that was as a complete waste of time. I have lost any hope of ever repaying this or getting help to resolve the dispute. Great Lakes simply refuses to acknowledge that I have a LEGAL, BINDING, EXISTING consolidation loan and only wants me to sign up for a new, higher-interest loan with them. I 've given up and just accept the fact that I am financially ruined for life .
Product: Credit card or prepaid card

My American Express Membership Awards Account has been frozen since XXXX. I contacted the customer service in XXXX after I found out my account is frozen. multiple representatives informed me that it will take up to 12 weeks to resolve the problem. 12 weeks has passed and now the representatives are saying there is no timeline when the review will be complete. I was also told that I will receive a letter from them for explanation in early XXXX but have not received no letter or phone calls.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXXXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$120.00} XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX XXXX Account number : XXXX Balance : {$18000.00} XXXX XXXX Account number : XXXX Balance : {$840.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) Account number : XXXX Balance : {$2300.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX Balance : {$310.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Balance : {$850.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$2900.00}
Product: Student loan

I applied for student loan forgiveness on the form sent to me for such purpose by Sallie Mae. 
I sent the completed application to the proper address per the instructions given by Sallie Mae for XXXX unemployable veterans because of a XXXX service connected XXXX. Sallie Mae 's instructions for XXXX veterans that came with the form state that no physician 's statement is necessary to be completed in the case of service connected XXXX veterans. However, the only part of the application that I did not send to Sallie Mae via certified mail was a physician 's statement. I completed every line of the application other than the physician 's statement. Sallie Mae wrote back in response to my application that it could not review my application at this time because my application was incomplete. My first payment is due in four days which is not enough time to resubmit another application no different than the one I have already submitted. Please help me.
Product: Payday loan, title loan, or personal loan

Someone opened an account/loan with Moneylion in my name for {$500.00}. I did not open this account - I had never heard of Moneylion until it showed up on my credit report this month.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} 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 XXXXXXXX XXXX XXXX {$0.00}
Product: Credit reporting

Since my bankruptcy discharge, XXXX XXXX, 2016. I have disputed incorrect information on my credit reports through all three major credit bureaus multiple times online over the past 3 months. This is becoming very frustrating and although all XXXX XXXX 's with each complaint, did slightly alter some information such as " chapter XXXX '' when I filed chapter XXXX, the post bankruptcy reporting is not per the Fair Credit Reporting act. All XXXX of the accounts still showing as negative, charged off, are keeping my scores in low XXXX 's. As well at my debt to income isnt accurate. Please assist me in this step of my attempted credit repair?
Product: Mortgage

I am on a mortgage abatement program given the pandemic caused me a huge loss in employment income. My mortgage, however, IS in good standing but is coming up to the end of the abatement period. It has been renewed several times ( given XXXX  and XXXX like me are still not back to XXXX/XXXX are still closed ) but the mortgage holder ( Wells Fargo ) is CONSTANTLY calling me and during evening hours on weekends with some of the callers being condescending and threatening and some just annoying. The issue is that my date of expiration of the program has not yet arrived and they are already constantly calling me badgering me. I'm sick and tired of this - I'm not in foreclosure, I've never defaulted on my mortgage, and there is no reason for all this badgering. I want this badgering stopped. Evening and weekends? REALLY? I'm not even in default and again, due date/expiration date is several weeks away. Wells Fargo needs to settle down - they're not broke and harassing good payers like me just stop ... especially given the challenges people like me have right now given the pandemic.
Product: Credit card

I attempted to order a new card with Continental Finance, the card I have is damaged, there is a crack on the bar code and will not scan correctly due to it. I have to use the card online, it will not work in any terminal. The rep I spoke with stated my account needs to be current, which it is, it is not past due. She would not order a new card. I am not due until the XXXX, the account is current, not past due.
Product: Debt collection

We had our bank return a series of multiple fraudulent checks that we did not issue. Subsequently, we received letters from Barri Financial Group , LLC requesting that we pay them for the fraudulent checks they cashed. We contacted Barri Financial Group twice to let them know that the checks were fraudulent and were not issued by us. We then received a letter from XXXX, XXXX XXXX XXXX demanding payment for these fraudulent checks. Initially we thought XXXX, XXXX XXXX XXXX was a law firm based on the look and tone of the letter. The letter demanded payment in full for the checks and stated that failure to pay creates a presumption of committing an offense and this matter may be referred for criminal prosecution, that they checks will be submitted to the Justice of Peace for processing criminal charges and a warrant will be issued for your arrest. The letter also incorrectly stated that the checks were returned due to insufficient funds. Upon receipt of this letter, we sent an email to XXXX XXXX, the contact provided on the letter, informing that the checks were returned as they were not issued by us and that we were not responsible for the fraudulent checks cashed by their client. We received a short email response back stating they will update the case and will reach out if they have further questions. We then received a second letter from XXXX, XXXX & XXXX labeled Notice of Investigation that threatened to make an onsite visit, record images of the facilities, contact banking institutions, creditors and vendors. It also threatened to seek reimbursement for all costs incurred, file liens on any property associated with the debt, file Writs of Execution upon judgement through the County. Upon receiving this second letter, we looked up the company and found that they are actually a debt collection company as opposed to a Law Firm. 
I have attached a copy of all the communication referenced above
Product: Debt collection

i have a payment arrangement set up with Kay Jewelers, we have been making reduced payments in accordance with the arrangement. we have been getting XXXX calls since XX/XX/2016 saying that we have not paid. this information is not true and has been verified with Kay jewelers every time we have spoken with them. Their phone dialer system has called my self and my wife a minute apart and we have spoken with them at the same time and have figured out that the nature of the calls is false. i have repeatedly informed them that if calls continue i will file harassment charges against them. today XXXX/XXXX/16 we have received 4 phone calls back to back from them after hanging up with a representative who has been informed that i am taking action against them
Product: Credit reporting or other personal consumer reports

For approximately a month, I have been dedicatedly working to address an ongoing discrepancy in my credit report concerning XXXX, XXXX, and TransUnion, all of which have inaccurately recorded that a payment on my XXXX  XXXX account was late on XX/XX/XXXX, account number XXXX despite my clear evidence of making a timely payment. Despite my persistent efforts, the creditor has been uncooperative in providing substantiation for the alleged late payment. Consequently, I am formally requesting the removal of this erroneously reported late payment from my credit report to rectify this error promptly and ensure the accuracy of my credit history. In support of my request, the creditor must adhere to the Fair Credit Reporting Act ( FCRA ), a federal law that mandates accurate and fair reporting of consumer credit information. Under the FCRA, creditors are obligated to investigate and correct any inaccuracies upon the consumer 's request, ensuring the integrity and reliability of credit reports. Please see screenshot done below
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 has all violated my rights. 
15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

The car was totaled in an accident. The payment was made to bring the account to a XXXX  balance. On XX/XX/XXXX it was reported that a payment was missed when in fact the car has been paid off. When I called to speak with a representative she was very incompetent and rushed me off the phone. In the future, please avoid doing business with the institution if possible.
Product: Mortgage

I am doing a refinance process and my title company XXXX XXXX XXXX XXXX XXXX XXXX has asked several times an payoff to NOVAD MANAGEMENT CONSULTING LLC which is the Partial Claim Servicing Contractor for the Department of Housing and Urban Development ( HUD ). I did requested it and also the new mortgage company did it too but I have not have an answer yet.
Product: Credit reporting or other personal consumer reports

I have a loan and a credit card attached to my account that are fraudulent. XXXX of XXXX  I filed a complaint with the Federal trade commission regarding identity theft with these accounts. I have never authorized and know nothing about these accounts. 

On XXXX I Certified Mailed All XXXX Bureaus With Handwritten Letter XXXX With Birth Certificate, SS Card, Valid ID and Utility Bill With My Correct Address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My address has also been tampered and my whole XXXX account is not reporting due to this identity theft. Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX mail receipt number : XXXX XXXX XXXX XXXX mail receipt number : XXXX Experian certified male receipt number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY TRIED OPENING UP A BANK ACCOUNT AND I GOT DENIED AND SENT A MAIL WHICH WAS ODD GROWING UP I WASNT EDUCATED MUCH ABOUT CREDIT AND BANK ACCOUNTS I ALWAYS CARRIED CASH I DONT DEAL WITH BANKS SO AFTER DOING RESEARCH I ORDERED MY XXXX  REPORT AND REALIZED SOMEONE OPENED A FRAUDULENT XXXX  XXXX XXXX ACCOUNT IN MY NAME. I NEED THIS FRAUDULENT ACCOUNT REMOVED FROM MY REPORT PLEASE I DONT KNOW WHAT ELSE TO DO I FILED AN FTC RPORT I HOPE THIS HELPS FIX THE ISSUE. I HAVE ALSO ATTACHED MY ID FOR VERIFICATION THANK YOU IN ADVANCE, I HAVE FILED A POLICE REPORT AS WELL AS REQUESTED
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad accountsAppearing On my Credit Report.
Product: Credit reporting or other personal consumer reports

The account provided to the collection agency should have been a withheld/outstanding account is accumulating unknown interest and inaccurate information. I have called numerous times to explain that I have re-enrolled in college and will have enough money to pay, which they understood until this month when my account appeared at a collection agency with an astonishing balance of {$8400.00}, the original balance was only {$1900.00}. I would like the creditor to delete the collection from my credit history due to the inaccurate that was not provided to me.
Product: Checking or savings account

My bank, XXXX XXXX XXXX, was acquired by Atlantic Union Bank and the transition was complete in XX/XX/XXXX. I had/have a money market account with XXXX XXXX that has been transferred to XXXX XXXX XXXX XXXX XXXX had, and still as of today has, a XXXX XXXX XXXX advertised on their website. This products terms state that if you deposit {$25000.00} from an outside bank into this money market you will receive 3.04 % APY. My money market was paying, and is still paying as of today, 0.27 % APY. On XX/XX/XXXX, I deposited a cashiers check from an outside credit union in the amount of {$26000.00} into my money market. At the time of deposit I asked if this would qualify me for the online advertised money market 3 % rate and was told it should. When my rate did not increase I reached out to the branch manager who told me she would need to speak with a supervisor about the rate, which I showed to her on the website. The supervisor at Atlantic Union told my branch manager this money market is no longer offered by the bank and was retired in XXXX despite the website saying the rates for this money market were valid as of XX/XX/XXXX. They will not honor the advertised money market and rate. I feel misled by deceptive advertising and would not have deposited these funds into my money market had I known they would not honor the product and rate advertised.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Student loan

For the past 3 years I have been under an Income Sensitive Repayment plan, which must be renewed each year with an application and letter verifying employment ( VOE ). Every year it is the same. Navient misreads my VOE and falsely inflates my income. I am a XXXX and am paid on a 10-month salary. Navient does not understand what 10-month salary means. So it gets explained over and over each year, it takes about 5 phone calls, and then by the time they " figure out '' it is the same as the previous years, my term has ended and they say they " must cancel '' my reduced payment plan. This means it takes a month or two at a much higher payment rate to be resolved, right at the time ( summer months ) that as a XXXX I am not being paid. Navient knows this and does the same thing each year. This is a way to gouge a little more cash from their helpless customers. 

Each time I keep a paper trail. Their customer service people openly lie and say " oh it is fixed, we promise '' but then it does not get fixed. This year again I have the paper trail to prove the following : This year I have the online chat record to prove that back in XXXX Navient approved my application, accepted the VOE, and agreed to the usual reduced payment plan. But once again they cancelled my plan, and claim to have " lost '' my forms. This happens every year! Like the last few years, they also always refuse to send the final confirmation until the end of the previous cycle. That makes it impossible to fix any problems because it is too late. This year it happened again and they are refusing to correct their error ... asking me to go into forbearance ( which just makes them more money ). This is unethical business and they have me in a bind, threatening to ruin my credit. Please help! 

If you read the attached copies of my correspondence with Navient, they said back in XXXX that all was A O.K. and I need do nothing else. But this week they posted a note to me saying my repayment plan was cancelled, they did not get any forms ( a lie ), and the my payment will now be doubled as of immediately. They pull this stunt every year!
Product: Debt collection

XXXX is trying to collect a debt that is not mine and it has been reported since day one. I cancelled this phone. It was my wife 's who passed away and the number was stolen after and bill ran up. This is not my debt and XXXX has totally ignored this and given it to a collector. Also, I am on SSI with very limited income since 2021. This needs to be dropped. It is totally false. I tried to contact them by email and they blocked me. Have tried on multiple occassions. They are just being difficult.
Product: Checking or savings account

I recently received a hardship distribution from my 401 ( k ) account.I then deposited the check into my Wells Fargo account.The very next day I got an alert from Wells Fargo, claiming that they were unable to receive funds from the check and that the funds will be available in my account in two weeks. I called Wells Fargo several times to try and resolve this issue. I called their loss prevention department to have them call the maker of the check to verify and to call the bank to verify the funds were in there. 
I explain to them that this was a hardship distribution so that the funds were needed urgently I was then informed that I would need something notarized from XXXX XXXX and something notarized from XXXX XXXX, XXXX and order for me to get my funds these funds came directly out of my retirement account. I have never experienced anything like this in my life in regards to depositing a check. This is extremely unethical. And they should be investigated because basically theyre using my funds without giving me access to them. 
And giving me the runaround
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX  XXXX Balance : {$8100.00} ; XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX, State Collection Service , Inc. is still furnishing my consumer report with a derogatory mark. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. I sent State Collection Service, Inc an Affidavit of truth, Cease and Desist, and Debt Validation letter on XX/XX/2021. On XX/XX/2021 I received an itemized statement of medical services which I assume is the debt collector 's attempt to provide the " debt validation '' I requested. A bill without a signature DOES NOT validate the debt and anybody can send a bill and say it is mine. According to FDCPA, State Collection Service , Inc is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692d ( 1 ). Enforcement of penalties against State Collection Service , Inc is covered under the penalty rules of the Omnibus Final Rule, FCRA, and FACTA. As a consumer I am requesting his account be removed from XXXX XXXX and XXXX  immediately and State Collection Service , Inc send payment for the violations I presented. If this is not resolved within the next 5 business days, I will file charges. I have been dealing with this entirely too long and will no longer tolerate this blatant violation of my rights.