23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I accepted a private student loan with Sallie Mae from XXXX. I began making monthly payments on my student loan beginning XXXX of XXXX in order to pay towards the loan total of {$18000.00}. Every payment has been make on time from XX/XX/XXXX- XX/XX/XXXX. However, the interest rate has made my loan balance impossible to decrease. Although I have made payments in XXXX, Sallie Mae claims to have never received these payments. As a result, I requested for some sort of payment plan in in XXXX of XXXX in order to make up for the payments that Sallie Mae claimed to have never received. However, Sallie Mae declined stating that there are no options available. As a result, I began making late payments in which Sallie Mae decided to contact me regarding setting up a forbearance payment plan in XXXX of XXXX. Although I have made payments in XXXX and XXXX on time, Sallie Mae denies ever receiving a payment for this entire year as well as XXXX and XXXX, and have sold my loan to XXXX XXXX XXXX. I wasnt notifed until XX/XX/XXXX in which I received a letter in the mail explaining that my loan was being sold. According to the mailed document, my loan balance amount is {$18000.00} as of XX/XX/XXXX. 

The loan amount total plus interest that I began with was {$18000.00}. I have been making payments since XXXX ; however, Sallie Mae is claiming that I owe {$18000.00}. This does not make any sense to me. How has my loan amount only gone down by {$100.00} if I have paid over {$10000.00} in total with payments being a MINIMUM OF {$310.00} each month. Due to the payments significantly increasing each month, I am unable to give an exact monthly payment amout as each month showed a different amount. I have attached proof in which payments were made during the dates that Sallie Mae claimed to have not received any payment. I have also attached documentation of sallie mae stating that my payments are overXX/XX/XXXX days late when they were not. I have attached bank statements showing the difference of payment amounts which were based on the total monthly payment requirement of each month. I have more proof and can provide more proof upon request
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$420000.00}, XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I send a letter, certified mail to Experian XXXX letter is enclosed. However they refused to act on my request saying they dont believe the letter came from me... which doest make since because i included valid drivers license and proof of address.The use of stall tactics should not be used when handling a consumer dispute. 
I am XXXX XXXX XXXX and I am filing this compliant please address my metro 2 compliance dispute enclosed in this compliant now that you know its me the consumer whos rights you continuously violate.
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there was some things not correct. I sent a letter to Equifax on XX/XX/year> here is my tracking number XXXX. But it has been more than XXXX  days since the credit bureaus have not responded. That is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as proved in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at the consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Bank account or service

I opened a new checking account at Key bank after I received a mail saying if I opened a new account and set up direct deposit, I would get how much cash credited to my checking account. 
I waited and waited, after I opened the account [ and did everything they told me to do ], but no credit appeared in my account. I inquired many times by phone and in person, every time I was told [ in XXXX, XXXX, and XXXX ], just be a little more patient, it will come. But it has been 5 months since I opened the account, no credit was received. Finally the last few days, when I called the bank I was told no credit was forth-coming. I wasted a ton of time, I feel very cheated by this bank! 
Do n't know how many other people, they did the same thing to?
Product: Credit reporting, credit repair services, or other personal consumer reports

First I want to say that for the last year and a half I have been calling the reporting agency asking to dispute these 3 accounts. Their representatives kept denying that the accounts were even showing on my credit file from their end. I didn't have access to a complete credit report because the online portal kept telling me that the information I provided was incorrect. All the while these accounts were showing on XXXX XXXX. 

So either they were previously deleted and now are allowed back on my file or the representatives lied to me. Either one would be a direct violation of the credit reporting act. 

The reporting agency just recently send me an update that the information was verified and valid. The credit reporting agency told me that all the collections company have to do is to send an electronic message to them claiming they investigated and found the account is mines. So they can lie as if they have reached out to me and conducted a verification and it will remain on my credit file. 

I have called this original creditor company several times informing them that I was a part of several government and Equifax data breeches. I have submitted to the credit bureau all of the police reports and the fraud reports filed during the time prior to, during and after this debt being added to my credit report. I am not sure what else I need to do.Its as if they want to collect from me on a debt even if it is fraudulent. There has to be some recourse for them not taking my identity theft into account. 

This has damaged me financially and emotionally because I am unable to secure credit line due to this fraudulent account being on my credit report. I have never lived in Florida, so this is very concerning. I even supplied my lease in the state of Texas for the time this debt was made. 

I have even filled out papers for the original creditor informing them that this is a fraudulent account. I have gotten not response each time I filled it out. When I would follow up after a month I am told to fill the same papers out all over again. It is frustrating and unfair to me.
Product: Debt collection

I,, XXXX XXXX, I am disputing the 1099-c " Cancellation of Debt '' issued by Synchrony Bank . If I owe money to Synchrony Bank then please provide documentation that support the issuance of a 1099-C. 

I recently checked my credit report and I do not see any flags or negative information submitted by Synchrony Bank that supports the issuance of a " Cancellation of Debt '' in the amount of {$910.00}, neither I remember I had received notifications by mail or collection calls from Synchrony Bank in reference of pending balances owed by me. Thuis is not listed on my credit monitopring service, no previous contact about it. SUE FOR UNBFAIR BUSINESS PRACTICES,. 

I am refering, then you leave me not choice as to refer my complaint with the following agencies : Maryland Financial Regulation Office Consumer Financial Protection Bureau U.S. Department of Treasury Federal Reserve Consumer Federal Trade Commission
Product: Credit reporting

Credit bureau refuses to remove fraudulent information after receiving a FTC Fraud Affidavit.
Product: Bank account or service

Issue : Citibank deducts face value difference XXXX XXXX vs XXXX dollars ) from account principal, not pending deposited amount, on deposited cheques in XXXX currency. I filed a CFPB complaint one month ago, and was contacted by a Citibank representative who apologized in writing and assured me this would not happen again. However, it happened with the next XXXX cheque I deposited, resulting in a bounced cheque due to funds withdrawn from the account to cover the CAD to XXXX exchange rate. A citibank representative then refused to refund the bounced cheque fee, despite being informed of the outcome of the previous complaint ( refunded fees XXXX, and verifying it in Citibank 's records. 

Narrative : I regularly deposit paychecks in XXXX XXXX XXXX XXXX XXXX into my Citibank bank account. Citibank first deposits the checks as if they had been made out in XXXX. Then they correct the amount by subtracting the difference. However, they do this before making the deposited amount available. They typically hold an excessive 2-3 weeks before making the amount available. Where do the get the money for the difference? They deduct it from the balance already in the checking account, rather than adjusting the deposit amount. This has created an overdraft and left me without my own money on three occasions.
Product: Credit reporting or other personal consumer reports

Bankruptcy filed on my report Experian Equifax Transunion
Product: Debt collection

In XX/XX/2018 Comenity Bank agreed to debt relief if I agreed not to pursue legal action against them for debt collection harassment. This was all done through my attorney at the Consumer Rights Law Firm. Comenity Bank has not removed this acct from my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report recently and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

Todays date XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against USAA regarding their improper handling of a fraudulent transaction dispute on my account. Despite providing substantial evidence, USAA has wrongfully denied my claim and refuses to acknowledge the fraud. 

Details of the Issue : Financial Institution : USAA Disputed Transactions : XX/XX/XXXX {$1000.00} XX/XX/XXXX {$2800.00} Claim Status : Initially denied, reopened upon my request, and then denied again. 
Reason Given by USAA : They claim that a chip was used and, therefore, it was not fraud. 

Why This Decision is Incorrect : XXXX. Unauthorized Use of My Card and Personal Information Whether the transactions were made with a chip or not, I did not authorize them. 
My card details and phone number were compromised, which I have proven through supporting documentation. 
XXXX. Identity Theft Documentation Provided I filed an identity theft report with law enforcement and submitted it to USAA, along with proof that someone accessed my phone number and card information. 
USAA refuses to consider this evidence in their review. 
XXXX. Failure to Conduct a Proper Investigation USAA did not provide a valid explanation beyond stating a chip was used. 
Their refusal to reconsider my claim disregards my legal protections under Regulation E of the Electronic Fund Transfer Act ( EFTA ), which requires banks to conduct a reasonable investigation into unauthorized transactions. 

Requested Resolution : Reopen my fraud claim and conduct a proper review of the submitted evidence. 
Ensure compliance with federal regulations regarding consumer protection and fraud investigations. 

USAAs failure to properly investigate this matter has caused financial hardship and stress. I am seeking CFPB intervention to ensure my case is fairly reviewed. 

Please confirm receipt of this complaint and provide information on the next steps.
Product: Checking or savings account

I went into a local Well Fargo branch to make deposit received from payroll ( my job ) in the amount of {$1400.00}. I had two pending charges for two credit cards that needed to be covered. I asked the teller if the funds would be available today and he advised that the funds would be available on XX/XX/2019 but that the two charges would be covered. I proceeded to deposit the check given his expertise, I trusted the teller 's word. On XX/XX/2019 I checked my account only to find out that the two charges was returned as non-sufficient funds and that there was an extended hold on my check. This caused s really serious issue for me as now my credit card will be closed due to returned payment and charges associated in which Well Fargo will be responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have employer on my credit report I never worked for and wanted it removed and changed with my current employer XXXX XXXX XXXX XXXX. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Checking or savings account

A savings account was opened at XXXX in XXXX, WI on XX/XX/XXXX online in my name. The fraudster contacted me via phone at XXXX to thank me for opening an account online, when I told them I did not open an account, I was asked me to state my name and address. I then reached out to BMO via phone on XX/XX/XXXX at XXXX and shared what had just happened, they put me in touch with the fraud department and I told them the account was fraudulent and requested an account closure. XXXX shared they would look into the account issue, but did not close the account as requested. I received a notification from BMO on XXXX stating there are XXXX accounts opened in my name and BMO is stating they have a loan they believe was opened properly and they have still not closed the savings account as requested. I shared that I was a victim of the XXXX & XXXX XXXX breach and the account was opened fraudulently. Additionally, I had my credit locked and frozen so XXXX should have closed the savings account and not allowed loan accounts in my name. Further, I called XXXX again on XX/XX/XXXX after receiving the notification of the additional accounts including a loan. In the letter I was told I needed to file a police report and include the BMO account that was opened as a result of the identify theft, but they were not willing to share the information I needed from their institution so I can file the necessary reports to insure proper reports can be filed and my identity issues do not continue.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

I submitted a dispute on all inquiries that were done as a result of identity theft. Equifax replied back on the investigation stating " Inquiries are a factual record of file access. " I am requesting that Equifax contact the companies to verify the information. I have sent requests to the companies prior to disputing and never received a response back from the companies.
Product: Student loan

My private loans were bought out by Navient and I set up payments with them. My payments were roughly {$200.00} a month. When I began repayment my amount due was at {$75000.00}. After two years of making payments my amount due had n't gone down a cent, in fact it went up to over {$80000.00}. It did n't make any sense to me why this happened. I was luckily able to put my loan on hold for a few months, but now that I am supposed to be paying again I 'm reluctant because it feels like I am just throwing my hard earned money down the drain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights
Product: Debt collection

XXXX Health Care continues to bill XXXX XXXX for services rendered in a worker 's compensation matter. XXXX XXXX is NOT responsible for this debt, the worker 's comp. carrier is.
Product: Debt collection

Although this complaint is related to a previous CFPB complaint, new issues have been raised, and due to the class action level of abuse that collection on this alleged debt represents, I feel that a separate complaint is warranted for the public benefit. This account was disputed from the start, as fraudulent. Chase sold a fraudulent debt to a debt collector, who obtained a judgement without even validating the alleged debt. I have no documentation that proves that I even incurred the debt using an account that I had closed, and was no longer using. At the time, we were in the midst of a refinance, and I panicked and agreed to a payment plan, paying at least three times the original alleged amount owed, because Chase took the past due amount from an amount variously reported as {$350.00} or {$520.00} or {$600.00} ( yes, really ), to their charge-off amount of {$1700.00}. Interestingly, now that I have the time to investigate, I 've discovered that I am not alone in being victimized by these violations of debt collection practice by Chase ... XXXX : XXXX
Product: Credit reporting or other personal consumer reports

XXXX had re-reported an old disputed debt as a new debt for XXXX that has dropped my credit score by XXXX points within 3 days. This is affecting ability to obtain credit and financial health.
Product: Mortgage

This started since XX/XX/2016. There was disaster in Louisiana. I signed up for foreberance. Two disaster back to back. Work was scarce and I had to ask for another. I try a pay payment plan. The keep starling. While I was going the foreberance they was reporting on my credit and they wasnt suppose to and they agree they were wrong. I ask them to remove it because, I try to get another car, I am an inspector and need transportation they never removed it in time I had to pay XXXX down payment. Which is what I owe them. It kept putting me behind. They assured me they round do a long Modification and they keep denying it. I talked to them. They kept telling me to do it. Misleading me to think I would get approved. Now it over two years and they still going the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working with Equifax credit company for several years and they honestly do not care or want to help me. There's several bad address on my credit file that are fraud and 24 fraud accounts on my credit file with them, but no one will help me. I deal with the office of the consumer affairs sense theirs been so much fraud on my credit file. I have faxed them a new police report every year with fraud accounts and they never remove the fraud accounts no once. I contacted everyone of the banks that had fraud accounts of my credit file and they all said we have never received anything from Equifax, but we have gotten reports from XXXX to remove the accounts asap. I'm attaching a new police report with fraud address and accounts on it. Next step will be legal. i want those accounts off my credit file asap and for them to keep the police report on file. The office of the consumer affairs want even let me dispute anything until i give them a ID and police report, I have given them my ID and police report several times and they keep losing it for some reason. Please help me. My bank loan on my house is being called in because of the fraud account showing on my credit file with Equifax. Everything has been removed from XXXX, XXXX several years ago.