23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My federal subsidized and unsubsidized loans were held by Navient. In XXXX, I filed for bankruptcy ( first Chapter XXXX, which was later converted to Chapter XXXX ). XXXX XXXX was notified properly by my attorney. I was told by my attorney as well as bankruptcy trustee that while the loans could not be discharged, they were protected against any term changes, default or late penalties. My loans were transferred to a debt collector agency instead without a notification to me. Subsequently, without any consent or agreement by me or my attorney, XXXX XXXX/Navient consolidated my loans. In spite of multiple inquiries and request to XXXX XXXX, I was not provided with regular statements or even access to the details of my loans. I opted to continue regular payments to my student loans at will, and at a guess of what minimum payment would be, because that critical information was also withheld from me. I also had no information about how my payments were being applied to my loans. Instead, I was told that I do not need to make any payments. <P/>I continued to experience the same lack of information and constant misinformation about my student loans even after my Chapter XXXX discharge. When I questioned why my principle on the student loans increased ( whereas by my calculation and records, it should have been reduced due to ongoing payments ), the company instead justified it using the terms of the " new consolidated '' terms, which by federal laws should not have happened in the 1st place. I also learned that most of my payments were being applied against the interest, and not the principle, hence why I continued to see only minimal progress towards the repayment of my loans and instead I was overpaying. By the end of XXXX, that accounting difference was about {$8000.00}, and continued to accrue interest using those terms. In XXXX, I have finally paid off the Student loans with a balloon payment. <P/>I believe, this unlawful behavior by XXXX XXXXNavient, combined with lack of customer service and proper information, resulted in ( what I perceived as ) extortion of additional payments exceeding {$12000.00} that I could not dispute against intentionally falsified information being provided to me.
Product: Credit card or prepaid card

Deceptive Act / Practice - I received a credit offer in the mail and email ( XX/XX/XXXX ) from Chase for Marriott Bonvoy Boundless Card with a headline indicating " Earn 3 free nights '', " 10X Total Point '', and " Platinum Status through XX/XX/XXXX ''. On XX/XX/XXXX I applied for the offer by clicking the link within the email. After my account was approved and I received the card and terms in the mail, it did not include any of the headline items indicated in the offer. I called to file a complaint with Chase customer service on XX/XX/XXXX. I called twice on XX/XX/XXXX to check on the status of the request. The first time, I was just transferred by the representative to a Marriott Reservation line. I called back again and asked to be connected to the escalation department. I was informed by the escalation department that my request was denied since I did not apply for the right offer. I have a copy of the mail and email offer including the link I used to apply. I also have evidence in my browser history of the link I used to apply and it matches the link in the email. 

The only reason I applied for the offer was due to the headline terms indicated. Chase 's action are totally deceptive and unfair. Also, it does not look like Chase took appropriate action to fully investigate the complaint.
Product: Credit reporting

My name has never been XXXX not have I ever lived on XXXX XXXX XXXX, TX XXXX I will print my credit report and view all of it to determine whether any of what is reported is n't mine. 

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

On XX/XX/2023 I have reached out on number occasions on the phone to resolve this dispute that I was unaware was in collections in the amount of XXXX from XXXX XXXX XXXX, also a collections from XXXX XXXX XXXX in the amount of XXXX and also an inaccurate amount being displayed for JPMCB CARD SERVICES these companies are reporting inaccurate information to XXXX, XXXX, XXXX where it still remains unable to be verify accurate information for these accounts that have been marked as a collections/charge off every month still after a dispute letter still reporting inaccurate balances displayed there has not been any further update nor deletions after request to removed
Product: Credit reporting, credit repair services, 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  XXXX XXXX XXXX # XXXX, has violated my rights. 
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 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

I received a phone call from this company, P & B Capital, LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1200.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me.
Product: Payday loan, title loan, personal loan, or advance loan

was scammed!!! I was on the phone with a representative who told me I was approved for a XXXX loan. I kept asking what are the terms? She proceeded to say it should tell you but you have to click accept in order to see it. Once I clicked accept, it took XXXX out of the XXXX loan leaving me with XXXX and then she hung up and never called back.
Product: Money transfer, virtual currency, or money service

Venmo will not let me transfer money from the Venmo account to my bank. This has worked for over a year but now it doesnt and they wont tell me why, and nobody has offered any help other than try it again later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I XXXX XXXX I have a boat loan with XXXX XXXX XXXX last XXXX of XXXX the same suffered damages for the hurricane XXXX I placed a claim to my insurance which issued a check for the sum of XXXX for the repair, send the check to XXXX XXXX XXXX to endorse the money to be able to repair the boat and continue using it I received a call from mb financial that could not give me the check that the boat was not completely repaired I think this is not fair and not legal
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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: Credit card or prepaid card

On XX/XX/2019, I made a payment of {$800.00} to my credit card with Macy 's, using a promotional 0 % offer on balance transfers check authorized/issued by Citibank on my Citi XXXX XXXX XXXX ( XXXX XXXX. 
At the time I was not aware that Citibank was also Macy 's banker. 
For some unknown and quite perplexing reason, Macy 's did not present the balance transfer check to Citibank, or perhaps it did but the check was not posted to my Citi Credit Card XXXX until XX/XX/2019. Citi wrote to me saying that it could not honor its commitment to a 0 % promotional rate because the said check was not presented within the prescribed time of promotion. They would charge me the full rate ( 23.0 % =+/- ) on the transfer of {$800.00}. 
So I used another promotion offer from XXXX XXXX to clear off My Citi card balance totaling {$820.00} on XX/XX/2019. 
In XXXX of 2019, I learned that Macy 's had reversed the {$800.00} payment to my store credit card. Macy 's did not give me any explanation as to why it did so, and it did not send me any correspondence with any returned check to support its action. 
When I enquired of Macy 's as to why it did so, the customer service officer responded by saying it was my job to prove I had made the payment. She told me to get a photocopy of said balance transfer check to Macy 's as proof of payment. The CSO refused to provide any explanation as why the took the action of reversing a payment that had been honored by Citi.

Since then my numerous efforts to get Citi to provide me with a copy of the said balance transfer check has come to nought. It so happened that right after the check was posted to my citi card XXXX, I discovered several unauthorized charged to the citi card which turned out to be fraudulent. Citi agreed to reverse those fraudulent charges. In doing so it closed the card XXXX and transferred the outstanding balance of {$150.00} to a new Citi XXXX XXXX. XXXX  no. XXXX ( XXXX statement reflects this transaction. 
Citi keeps telling me they no longer have any records of the citi card account XXXX which reflected the Macy 's {$800.00} payment of XX/XX/2019. 
When my husband, who is a XXXX XXXXr, asked the Citi customer service personnel " aren't you required by federal law to keep records of accounts/transactions for 7+/- years, '' they agreed it was true. But they still insist they can not locate the old card XXXX account records and therefore are in no position to provide a photocopy of said check. 
In the course of this back and forth, we learned that Citi is Macy 's banker. 
So it appears there is some mischief being pulled upon me by both Macy 's and Citibank. The bank won't give me the proof of the check in question and Macy 's will not credit my account with them until I provide such proof. I am of the opinion that Citi tricked me into believing the check had been presented late so it could charge me the extreme rate of interest. 
Meanwhile charges and fees continue to accrue on my Macy 's account.
Product: Credit card

AMEX is reporting on my credit report yet I have never had nor been a holder of a AMEX card. 
XXXX XXXX has used my social security number I believe to obtain credit cards. 
This man is a banker who works for with the CFPB and is stealing social security numbers
Product: Mortgage

I had 2 refinances with two single family home properties in XXXX. Upon signing closing docs, I was given a first payment doc from FofA, which included the loan/account number. After the close of escrow on these two properties, I made 2 payments ( 1 for each property - {$900.00} and {$670.00} ) on XX/XX/2021. Unfortunately, I received a call from FofA ( around XX/XX/2021 ) to return their call. I returned their call, same day and the rep didn't know why they called. However, at this time, she showed that there was a late payment. I told her that I paid the mortgage payment and she said to give it a few days to process. 

A week later, I received 2 more calls. I returned their call and was told they never received the payments. I told them I did make the payments to the account numbers that were on my first payment doc I received from closing ( FofA ). She told me my new account number and said FofA changed the numbers after the close of escrow. FofA never notified me. I told her that I paid both payments to the original account number. She said she'll note the files they will start an investigation, but not to do anything. 

A week later, I received another call from FofA and wanted to know where my payment was for XXXX. I again explained and she said to email the cashed checks to the support team and that it will take 5 days to respond, but they will not report any late payments to the credit bureaus since it's under investigation. 

I emailed the cashed checks to both properties, to the support center and called them to confirm they received it. They indicated it will take another 5 days to process, again told me they will not report to the credit bureaus. 

Last Sunday, I find out FofA reported both property accounts as 30 days past due to all 3 credit bureaus. I called first thing on Monday morning, asking what happened. They assured me they didn't do anything. I spoke with 2 supervisors and they, too, indicated they don't show that it was reported. However, I have my credit report as proof and both checks were cashed XX/XX/2021 by FofA. They still claimed my account is still under investigation. 

I tried disputing both accounts through the credit bureaus with proof of the cashed checks and XXXX came back indicating FofA confirmed the 30 day late report. So FofA isn't even looking at the proof that I'm sending to them. To this date, my credit has been destroyed by these horrific actions. 

I want my accounts corrected AND all 3 credit bureaus corrected to show no late payments.
Product: Mortgage

I applied for a mortgage with a company called better mortgage and they officially denied without obtaining all documentation. They should have obtained a condo questionnaire from the seller before officially denying me and repulling credit multiple times which was not needed because the hoa was non warrantable but the lender failed to collect this document from the seller outlining it and they were given multiple chances
Product: Money transfer, virtual currency, or money service

I received an email earlier this week from PayPal that my account was going to be closed and that funds that were available in my account were going to be held for 180 days before I was going to be given instructions on how to withdrawal. There was no reason given about why it was being cancelled only that I had violated the terms and conditions. If they want to cancel my account that is fine however I dont believe my account violated anything part of the terms. My money however should be returned to me promptly I cant wait 6 months for them to decide to release my money. I attempted to call PayPal but their customer service is not available I cant communicate with them any other way due to the restrictions placed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Has violated my Rights. 


15 U.S.C 1681 Section 604 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

XXXX I made a purchase for XXXX ( funds taken from my account ) and since I did not receive the product I was to get a refund. The bank took the refund and eliminated the original transaction. I still have not gotten my money back. I have emails and documents going back to XXXX when the transaction was made.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & creating unwanted XXXX XXXX XXXX XXXX XXXX  The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling Equifax and requesting the removal of the following inquiries that I do not recognize nor authorized. And equifax has refused to delete. 



XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy, 15 USC 1681a ( 2 ) ( B ) and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose.The company has not responded within 30 days. I would not be going through an FTC report if this was not an error. This is my last step before considering legal action. Please block and remove them immediately : XXXX XXXX : XX/XX/2021 XXXX {$18000.00} XXXX XXXX {$740.00} XXXX {$520.00} US DEPT ED {$1400.00} US DEPT ED {$6600.00} XXXXXXXX XXXX {$550.00} XXXX XXXX XXXX {$46000.00} ( Original Creditor : ) {$110.00} ( Original Creditor : ) {$60.00}
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXXXXXX XXXX XXXX Balance Owed : {$3400.00}
Product: Checking or savings account

There is collectively XXXX in my accounts capital one is closing my account and investigating a XXXX dollar check i deposited but they arent releasing my money when i called then they will not provide a dare as to when theybwill release ny money.i cabt pay my rent and am on the verge of eviction
Product: Bank account or service

My online checking and savings accounts were hacked and nearly all funds were transferred out to external bank accounts via online bill payments within 24 hours. I was not notified of " suspicious activity '' by Chase, however I was locked out of my online account. I did call Chase, the problem was found and I did go into a Chase location and fill out all paperwork. Now Chase is holding my claim in " pending '' status and all I can get as an update is that the Claims department needs XXXX - 5 business days to process the claim. We are going on day XXXX, they should have more information to offer than " pending '' or telling me " XXXX - 5 days ''.
Product: Debt collection

In XXXX I was sent a notice by CCS Collections that XXXX had submitted a claim. I made a payment agreement with them so that they did not report. It was a bi weekly payment agreement. A month later, after making my payments, the debt was reflected on my credit report. I then paid off the whole balance. The company agreed a pay for deletion. Now I can not get a hold on anyone and they refuse to remove this paid account off of my credit report. the balance reflected {$130.00}.