23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX of 2018 reached out to Navient student loans to claim financial hardship and have my loans lowered for as long as they would allow. Send all documentation to them and was approved, same day, for a payment of {$370.00}. My usual payment was {$540.00}. At this time I was told I need to sign up for automatic payments which I agreed to come out the XXXX of each month. XX/XX/XXXX the first payment came out for {$370.00} but with a remaining owed balance of {$170.00}. When I called in I spoke with someone who told me that once the payment clears the amount would default to the {$370.00} for a year as I was told in XXXX. This did not happen. As of today, XX/XX/18, my account is showing past due for {$170.00} and owing {$540.00} due in XXXX. When I called in I spoke with 2 agents and finally a manager.  They all spoke to me as this issue was my problem and simply stated that I was told the incorrect amount for the program and I needed to pay {$75.00} to bring the amount current for a total program amount of {$440.00}. When I asked why Im not able to pay {$370.00} they respected very rudely that I wasnt approved for the amount because I made no payment of {$370.00} in XXXX to secure that agreement. I paid {$540.00} in XXXX PRIOR to my due date as I always have. Both agents and the manager continued to speak over me, wouldnt give me any information in a letter or statement and said they promise the payment would be {$440.00} going forward. When I asked for a statement declaring this they said to look in the mail some time in XXXX. Nothing further.
Product: Debt collection

I was called by XXXX XXXX XXXX and told I was going to be charged with writing a bad check from 2013, because I provided my bank information on a payday loan and never paid it. I have no recollection of this. I paid all my loans and nothing is showing on my credit report. I ended up paying XXXX. After looking into the company, I believe I was scammed. I called their customer service number at XXXX and it didnt go through. I spoke to XXXX XXXX, at least thats what she told me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both TransUnion and XXXX to try and resolve the issue with the following inquiries that I either do not recognize, were not authorized by me, or were obtained deceitfully, to no end. 
/ ( TransUnion ) - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX   XXXX ( via XXXX XXXX ) requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX ( I DID however, authorize the pull from XX/XX/XXXX ) - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXXXXXX requested XX/XX/XXXX ( I DID authorize a pull on XX/XX/XXXX ) ( XXXX ) - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX   requested on XX/XX/XXXX - XXXX  XXXX requested XX/XX/XXXX - XXXX   requested on XX/XX/XXXX - XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX  requested on XX/XX/XXXX - XXXX  XXXX requested on XX/XX/XXXX
Product: Credit card or prepaid card

I was applying for the Amex gold card that had a promotional points offer ( 60k points ). I received a pop up that said i wasnt eligible for the offer because i already had the card. The pop up was wrong as i never had the card before. So i messaged their customer service and asked them why i got the popup and to confirm that they saw i never had the card so that i would be eligible for the promotion. They confirmed that i never had the card, which i have photographic proof of. Then when i meet the promotion requirements for minimum spend and followed up with them for when i would receive the points promotion they said i was not eligible for some general non specific reason.
Product: Student loan

On XX/XX/29 I called MOHELA to get an update for my XXXX XXXX XXXX XXXX. I was on hold for XXXX hour before my call dropped then for another XXXX hours after calling back. I was at work. Once my call was received I was told that my loan was in default because I had not made a payment this month. When I asked how that was possible because I was enrolled in autopay, the agent told me that MOHELA cancelled my automatic payments on XX/XX/XXXX. I asked how they could do that without my authorization and she had no explanation. I was told I received an email. I was not able to locate an email with a notification. I was later told that they had no record of my autopay enrollment. I have been paying through automatic withdrawal for years and have had no trouble with my payments to MOHELA until now and have never had a late payment for anything. My credit score is nearly perfect. 

Coupled with that my XXXX XXXX XXXX XXXX status has also been a debacle. My application had been approved and my first loan should have dropped off this month. It was approved after having worked as a XXXX XXXX XXXX XXXXXXXX  teacher for a little over 12 years. I recently left teaching and am now employed as a XXXX XXXX XXXX employee. I was told that the payments I have been making were not counting towards loan forgiveness because I did not verify my employment with them. They were not able to explain to me, XXXX why I would need to do that since I have already verified over 12 years of public service, and XXXX. How I would even know they required me to update this information with them. What she did tell me was that I had deferred payments while I was in school, XXXX years ago. I told her that if I have been employed in public service for 13 years ahd have been making payments the entire time, how could I have not accrued enough payments for the forgiveness. Again, no response. I asked to speak to a manager but the agent was unable to find one and I could no longer wait on hold because my phone had no charge and I was not able to plug it in where I was taking the call at work. I was told a manager would call me in 7-10 business days.

It was also my understanding that as a condition of my loan that the forgiveness would be nullified if I had a late payment, one of the reasons I chose to enroll in autopay. I feel cheated and jerked around. I also feel that the long waits and lack of clear information is a way to not follow through with any loan forgiveness. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the accounts XXXX XXXX XXXX , XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies do proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and If included a copy of the Identity Theft Affidavit Report that was sent to my Sheriff Department for further investigation. I have a few unknown derogatory accounts caused by identity theft reported by your company on my credit report that I didn't open or obtained any good or services from. I've listed the unknown accounts here alone with their account numbers. 
XXXX XXXX XXXX XXXX chargeoff This chargeoff was caused by Identity theft. 
TD BANK USA/XXXX XXXX chargeoff This chargeoff was caused by Identity theft. 
XXXX XXXX XXXX XXXX chargeoff This Charge off was caused by Identity Theft. 

As you know, 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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. 
I have enclosed a copy of my IDENTITY THEFT REPORT and Report Number, that has been filed with the Federal Trade Commission. 

The Final Rule contemplates automated reports generated by the FTCs complaint system as being within the scope of the definition of an Identity Theft Report. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this purported item from my credit reports ( XXXX, XXXX, and the XXXX ).
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

CARD WAS APLIED FOR ON LINE ON XXXX XXXX PROMOTION ON BOOKING A FLIGHT. INFORMATION ON ACCOUNT WAS ONLINE. NO PHYSICAL CARD WAS ISSUED AT THE TIME. A FLIGHT WAS BOOKED ON THE PROMOTION CARD AND A BALALCE OF XXXX WAS TO BE PAID. I WENT OVER SEAS FOR DEPT OF DEFENCE BUSINESS. WHILE OVER SEAS I CALLED TO GET A BILLING DATE WHICH WAS DUE XXXX XX/XX/2021. DUE TOLOCATION WHERE I WAS, I HADMADE PAYMENT TROUGH MY BANK AND THE PAYMENT ARRIVE ON THE XXXX. I DID CALL THE CARD ISSUER CITI BANK AND NOTIFY THEM OF THE PAYMENT ON THE WAY. THE AGENT ACKNOWELEDGE THE CALL AND SAID IT SHOULD NOT INCUR A LATE FEE. THE BALANCE WAS PAID AND I CLOSE THE ACCOUNT BUT YET CITI KEEP SENDING ME A BILL WITH COMPOUND LATE FEES. THIS IS PREDATORY PRACTICE OF THIS BANK. I NEED THEM TO FIX THIS PROBLEM ASAP ON MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Mortgage

Loandepot de fied any wrong doing, but, demanding payment of late charges and late payment which we never have ever sinc e. Dishonest, manipulati on toward financial scams with illegal late charges and other deficiency activity to gouge us financially including insurance and tax after they were told I am tax-exemption, "   XXXX   XXXX    XXXX  veteran ''.  XXXX   XXXX   XXXX .  XXXX   XXXX  Veteran we end up sold our house, due to dishonest fraudulent activity they put us through since late  XXXX   XXXX   XXXX ,   XXXX   when our home was sold. We felt lots of  XXXX  and pressures from Loandepot 's dishonest services through-out those years I mention here-above. this aforementioned surely is n't healthy for us, but putting us under lots of unhealthy  XXXX   XXXX . To which my (  XXXX  ) classified & verified   XXXX   XXXX    XXXX  and among other VA medical history during my Military services does bothers me big time still. therefore, punitive damages and compensatory damages must award for the defendant 's negligence and egregious repetition of dishonest and consumer frauds ever since.     furthermore, our home sold on  XXXX   XXXX ,   XXXX  , and Loandepot still not refunding us money that they owed us : such payment made in advance for the month of  XXXX    XXXX  , interest, tax, and principle Sincerely :  XXXX ,  XXXX   XXXX  &  XXXX   ( wife  )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ct XXXX, Virginia XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio, XXXX Re : Formal Dispute of Charge-Off Entry under FCRA Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute a charge-off entry on my credit report regarding account number [ XXXX ] with [ XXXX XXXX XXXX ]. I assert that this charge-off is inaccurate, and I am requesting its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request an immediate investigation into the accuracy and validity of this entry. Specifically, I believe that the charge-off entry is incorrect due to the following reason ( s ) In accordance with 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this disputed item. Please provide me with all relevant documentation and evidence that supports the validity of the charge-off, including any communications, notices, or other records that substantiate the charge-off date and the amount involved.

Additionally, under 15 U.S.C. 1681e ( b ), all information on my credit report must be accurate, and I am entitled to a complete and accurate reflection of my credit history. If the charge-off can not be substantiated, I request that it be removed from my credit file immediately. 

I further assert that under 15 U.S.C. 1681i ( a ) ( 6 ), you are required to complete your investigation within 30 days from receipt of this letter. I expect that this matter will be resolved in full compliance with the FCRA, and I request that you notify me in writing of the outcome of your investigation. 

Should the charge-off remain on my credit report without proper evidence or if your investigation does not satisfy the requirements under the FCRA, XXXX will have no choice but to escalate this dispute to the Consumer Financial Protection Bureau XXXX CFPB ) and/or seek legal counsel for further resolution. 

Please provide a written response to my request for information and any updates to the status of the investigation at your earliest convenience. I also request that you send me a copy of the updated credit report once this issue has been resolved. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via debit card, and through XXXX named XXXX, XXXX, XXXX and XXXX in the total amount of XXXX USD utilizing Huntington National Bank services
Product: Credit reporting or other personal consumer reports

I am contacting you regarding the urgent matter of fraudulent information associated with my identity. Unauthorized accounts and transactions have been falsely linked to me, causing significant distress. As a victim of identity theft, I have already reported this incident to the relevant authorities. 

This situation has severely impacted my financial standing and personal reputation. I request your immediate assistance in removing all fraudulent data from my credit report and conducting a comprehensive investigation into this matter. I stand ready to provide any necessary evidence to support my claim.
Product: Debt collection

Cease and Desist Harassment and Dispute of Account Dear Aldous & Associates, P.L.L.C., I am writing to dispute the validity of the account referenced below and to demand an immediate cessation of all harassment related to this matter. 

Account Number : XXXX Agreement with : XXXXXXXX XXXX  Current Balance : {$300.00} I refute the validity of this debt for the following reasons : 1. Lack of Notification : I have not received any prior notification regarding the overdue amount owed to XXXX XXXX. As per legal requirements, creditors are obligated to provide written notice to the debtor prior to escalating the matter to a third-party collection agency. Failure to provide such notice constitutes a violation of my rights. 

2. Harassment : I have been subjected to continuous and harassing communications from your agency regarding this debt. Despite my requests for validation of the debt and verification of your authority to collect, these communications have persisted, causing undue stress and harassment. 

3. Request for Removal : I hereby demand the immediate removal of this account from my credit report. Given the lack of proper notification and the harassing nature of the communications, I assert my right to have this account deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

In light of the above, I demand that all communications regarding this debt cease immediately. Furthermore, I request that Aldous & Associates, P.L.L.C. take immediate action to investigate and rectify the violations outlined herein, including but not limited to the removal of the account from my credit report. 

Please be advised that any further attempts to collect on this disputed debt or any continuation of harassing communications will be met with appropriate legal action. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 opened a XXXX XXXX  Account and initiated a deposit for XXXX into the account. The next day I received an email saying they did a review and there is suspicious activity and that my account would be in restricted mode. The same day I ask them how I can resolve the issue. They write back that they need to investigate. I repeatedly write to them asking for updates getting stonewalled being told that they don't have a timeline. In that time I have XXXX access to my funds and feel ignored. Its been close to XXXX weeks and have XXXX access to the money and they just keep repeating the same line, that they can't tell when they'll remove the restriction and they did stop answering my emails asking incredibly basic questions like when will this get resolved, or for any updates on the matter.
Product: Checking or savings account

My checking account closed out and the funds in my savings account have not been released. I have been calling the bank every day with no response.
Product: Debt collection

This is a medical debt for my XXXX XXXX XXXX grandson. I do not have custody of him nor do I care for his medical needs in any way. I have told them this many times and asked them to stop calling! They still call several times a day