23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

After leaving from XXXX, my payments for both XXXX and Navient began to kick in. At the time I was making an annual salary of {$47000.00} and living away from home, in XXXX I took the time to calculate my cost of living which included my rent, groceries, public transportation to work, and monthly loan payments to several lenders ( XXXX XXXX, XXXX XXXX, XXXX XXXX, and Navient ). After reaching out to Navient to try to lower my monthly payments, since I would rarely have enough money to eat after paying, I was told unless both my consigner and I could not afford it my only choice was a forbearance. Being that my father is my consigner and I did not want to burden him with my payments. The way the forbearance was communicated by the Navient telecommunications person was very misguided. He made it seem as if it was a small grace period that the company allowed for their customers in order for the customers to find some other alternative if they could not afford said payments. There was never any mention that by accepting forbearance you penalize yourself for at least 12 months without any chance of being able to refinance your loans with another party. This is just one example of what this company has done to prolong my time in debt to them. They are constantly penalizing me with interest payments that I do n't understand. Until now I still can not make payments on time since my salary simply does not allow for it. Unless I was to starve myself or walk an hour to work everyday I will never be able to afford these payments. My life has become full of XXXX because of companies like Navient and XXXX XXXX. I look forward to the day I can refinance with another more trustworthy institution. No one should have to live this way.
Product: Debt collection

I previously requested that the disputed account ( s ) be marked as 'Account Disputed ' in my consumer files, as mandated by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ]. However, the purported consumer credit reporting agency has failed to conduct a proper investigation into the ongoing and persistent issues. I was not notified of the investigation status or results, and the agencys failure to address the core nature of my complaint remains unresolved. Additionally, the reported information contains nonexistent and bogus entities that do not reflect a valid legal entity as recognized under applicable laws governing articles of incorporation, certificates of formation, or charters. I demand the immediate expungement of these illegitimate entities and a correction of my consumer file to ensure compliance with federal regulations. Supporting documents outlining these unlawful billing, credit reporting, and debt collection practices, which have persisted since XX/XX/XXXX, are attached. 

See my attached Memorandum for the Record ( CONSENT TO DISCLOSURE ), Subject : Formal Complaint Against the Army and Air Force Exchange Service and the Defense Finance and Accounting Service Regarding Improper Debt Collection, Billing Discrepancies, Credit Reporting Errors, and Unauthorized Pay Deductions Related to Alleged Credit Card Receivables ( Account No. XXXX ), dated XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX has caused damage to my credit card by calling Genesis/FS Credit Card I had file a complaint on XXXX not having the correct balance as {$0.00} XXXX has a balance showing when in fact there is no balance to the sad account. 

XXXX has major issues contacting Genesis/FS Credit Card and making false claims of fraud on my account. 

I was not contacted of any fraud by calls mail or email or phone alerts by Genesis/FS Card to the matter.

In which fact caused my account to close with a {$0.00} balance.

I have also filed US Attorney complaint as a XXXX  complaint on both Genesis/FS Card XXXX XXXX as bias reckless and fair credit act as to error made on false claims.

There is no call or email or letter or digital signature of me making claims of fraud or fraud was done on my account. 

There are other complaints on XXXX not been resolved as completed with mix names address phone numbers and accounts not updated as paid off.
Product: Mortgage

I have been with Wells Fargo for years. I had severe health problems, lost jobs, wreak a XXXX XXXX, worked out of town, did a mod with them, could n't make payments, These people always said that they would help me out. Not one person told me about any other programs or my options ... I have a good job, had to file chapter XXXX, it 's krazy ... .they take a payment out of weekly check for that month. Because of the timely mater with forecloser all the added fees, XXXX late back pay now. Each month I pay over XXXX to them. I work 6-7 days a week, you should see how I live, no food, 2 cars I ca n't drive need repair, repairs needed in the house. Ca n't mow the lawn, Trustee says five years maybe, Let me ask you, Do you think I will be alive? What a nice substantial life ....
Product: Money transfer, virtual currency, or money service

Used cash app to purchase in 4 installments both cash app and XXXX charged my card causing negative in account and could never get anyone at cash app to help no one ever answered eventually things where dropped on both ends but had fees associated
Product: Credit card

Im a victim of identity theft XXXX XXXX XXXX  and I have a credit score & credit cards in my name my birthday year was changed and all
Product: Student loan

I entered into a payment plan with Navient. It was agreed upon that I would pay {$510.00} on the XXXX of every month. Yesterday, my credit monitoring service notified me that Navient is reporting that I am over 60 days late on payments with XXXX accounts. As a result, my credit score took a drastic drop. Not only have I not missed a payment, they have been paid on time and I have my bank statements to prove it. While on the phone with Navient today, the gentleman on the phone told me the purpose of the repayment program was to help me, but instead it is hurting me. What 's the point of making payments if will still be reported late?
Product: Checking or savings account

I used have checking and savings accounts with Bank of America for 5 years.The bank closed my account reported to XXXX XXXX and XXXX on last XXXX.When I have contacted them they say its a check fraud and which wasnt done by me.I didnt deposit that check, I lost that check book and other cards.As I have attached in previous complaint the bank which validated the ID theft on my name is Bank of America. 
I want the bank to set me free from the reports and wants to remove negative information under my name.I dont want to make a claim at bank because I dont trust them any more since after 5 years of business with them they harassed me like this.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of your failure to comply with the Fair Credit Reporting Act ( FCRA ) and to demand immediate correction of my credit file. Despite my previous dispute regarding fraudulent accounts, names, and addresses, you have refused to remove inaccurate and unverifiable information, which is a direct violation of my rights under federal law. 

Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Investigate and Remove Inaccuracies ( 15 U.S.C. 1681i ) The FCRA requires credit bureaus to investigate and remove fraudulent or inaccurate information within 30 days of a dispute. You have failed to do so.

Failure to Correct or Delete Unverifiable Information ( 15 U.S.C. 1681c ) Any information that can not be verified must be deleted from my credit report. Retaining fraudulent data in my file violates this requirement. 
Failure to Provide a Fair and Accurate Credit Report ( 15 U.S.C. 1681e ( b ) ) Credit bureaus are required to ensure that the information they report is complete, accurate, and up-to-date. Your failure to remove false data has harmed my creditworthiness.

Failure to Provide Documentation ( 15 U.S.C. 1681g ) Upon my request, you are legally required to provide information regarding how disputed accounts were verified. If you can not prove the legitimacy of the disputed accounts, they must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter disputing some accounts that do not belong to me that are on my credit report. This was back in XXXX and it has now been way over the 30 days allowed by the FCRA. By not responding, they are in direct violation. These accounts need to be removed because they were not investigated in the time given. I submitted another letter on XX/XX/2020 to view the progress and tracking shows that it was received. I am a hardworking man just trying to do my best for my family. I have done everything asked of me. Please help me in this matter.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees that incurred. Despite having sufficient funds when transactions were authorized. I was charged due to the lagged postings of chargers and credits. This aligns with the recent CFPB finding against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation of my account transactions.
Product: Vehicle loan or lease

Us auto sales was a rip off and scam they jacked the prices up for the car I bought 2011 was financed. For XXXX XXXX they would cut my car off even when I made a payment. They never gave me none of my referral fees and it was always problems with the car I was forced to keep
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/XXXX from Bank of America stating that i owed {$31.00} from an account closed XX/XX/XXXX. My case number for this issue from Bank Of America is ( XXXX ). I contacted their Recovery Services unit and paid this amount ( {$31.00} ) was paid in full that month ( XX/XX/XXXX ). It has been four months since i settled this debt and I can not open a bank account. This issue in impeding my progress. I need a bank account and thought this was settled months ago. I even gave it time for them to report to credit agencies for it to be removed. I tried to open a bank account on XX/XX/XXXX and was unsuccessful due to this issue i thought was resolved. I am requesting that that this negative report be removed so I will be able to open accounts in other financial institutions. I am know wondering if there is another issue that is delaying my ability to open an account
Product: Mortgage

Freedom Mortgage violates Section 6 of the Uniform Covenants of our Subordinate Deed of Trust. ( Attached Security Instrument, page 3 of 7, paragraph 1 ).

Details below.

1. Conformed copy of the Note and Subordinate Deed of Trust is to be provided to homeowners XXXX  per the aforementioned section of the Security Instrument. 

2. On XX/XX/2022, after receipt of Courtesy Notice from XXXX XXXX XXXX XXXX XXXX, homeowners request Freedom via their online Portal for the conformed copy of the Note and Subordinate Security Instrument. 

Almost two months in tow from recording date of XX/XX/XXXX, XXXX NO DOCUMENT is in sight. 

3. On XXXX XXXX, Freedom also advised via their online Portal, that XXXX XXXX XXXX is the SERVICER of the Partial Note. ( See attached ). However, almost two months in tow, homeowners DO NOT receive correspondence from XXXX Servicer to notify us of their engagement in servicing partial claim Note
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX  and Experian credit bureaus multiple times regarding public records of bankruptcy on my credit reports. I have disputed these items multiple times with the bureaus and each time it comes back verified through XXXX XXXX and Bankruptcy courts. I contact the Bankruptcy courts which they have responded that they do not report to the credit bureaus, therefore, the item is either a lie or an error. Either way, the reporting requirements do not comply with FRCA- 611 ( 15 U.S.C- 1681I ) and the information must be deleted. 
I also contact XXXX XXXX for a copy of verification of the public records as well. I received a letter from XXXX XXXX stating they do not have a bankruptcy file or record. Based on this, the method of verification is fraudulent and the items must be deleted from my credit reports. 
I have attached the letters from the XXXX XXXX and the Bankruptcy courts as proof of what I am stating. 

Experian- BK ID # XXXX BK ID # - XXXX BK ID # - XXXX XXXX- BK Docket ID # XXXX BK Docket ID # - XXXX
Product: Checking or savings account

Multiple times throughout my XXXX banking with Navy Federal Credit Union I have been charged overdraft fees up to XXXX on one transaction. It's happened too many times to write the dates. I will gladly provide bank statements from the past XXXX to prove this if needed.
Product: Credit reporting

after I spent XXXX seconds on the phone Equifax I was told that a court order was not enough information for them to remove an account from my credit file. I was told I would have to wait for it to fall of my credit report Equifax refuses to provide accurate credit information. They Must remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to CB Indigo Bank XX/XX/XXXX, I advised CB Indigo Bank I haven't applied for any products or services with their company, they advised myself to reach out to Credit Bureaus and it would be removed. 
I contacted XXXX, I advised XXXX that I haven't authorized anyone to performed a credit check on my credit report, XXXX advised I call CB Indigo Bank, I explained to XXXX, I contacted CB Indigo Bank once again.They advised I submit this request in writing, so I sent XXXX a certified letter XX/XX/XXXX, XXXX received the letter XX/XX/XXXX, but is stating they haven't. 
XXXX is refusing to remove this inquiry from my credit report and XXXX has violated my rights as a consumer. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX hard inquiries shown on my credit report. On XX/XX/year>, I recalled opening a checking account with XXXX XXXX, but I did not apply for any loans with them. However, I see that there is a hard inquiry made from that company on my credit report, which credit unions are not supposed to pull credit/or credit check when opening a check or savings account. There was also two other hard inquiries dated on XX/XX/year> from XXXX XXXX and XX/XX/year> from Informative Research. I did not approve of this credit check nor am I familiar with these two companies.
Product: Debt collection

Dear CFPB, I am filing a formal complaint against Credit Collections for failing to validate an alleged debt, in direct violation of the Fair Debt Collection Practices Act ( FDCPA

) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ). Upon noticing this account on my credit report, I exercised my rights under FDCPA 15 U.S.C. 1692g (
a ) by requesting written validation of the debt. Despite my request, Credit Collections has failed to provide the necessary documentation, such as a breakdown of the charges, original creditor agreement, or proof of my obligation to pay. Instead, they continue to report this unverified and potentially inaccurate account to consumer reporting agencies.

Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable information. Furthermore, FCRA 15 U.S.C. 1681i ( a ) ( 1 ) requires furnishers to conduct a reasonable investigation when a dispute is filed. Since Credit Collections has not fulfilled its legal obligations, I believe they are in violation of federal credit laws.
Product: Mortgage

We pay through the XXXX XXXX Bank using auto payment. We make payments prior to the due date every month. The loan was sold to a Mr Cooper and ever since that company takes up to 2 weeks to process the payment, then they charge us a late fee. We have checked with the bank and they confirm payment and the Mr Cooper refuses to process the payments, they also refuse to acknowledge that they are receiving the payments even though the bank can confirm that they do receive the payments. They charge us {$150.00} dollars in late fees with every transaction and refuse to assist in getting this problem taken care of.
Product: Checking or savings account

My account was not overdrawn and yet I have been charged a XXXX} overdraft fee. TD Bank is currently fighting a class action lawsuit for their fee behavior and I have say I 'm very disappointed with their poor behavior toward my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$320.00}. Please delete ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my [ XXXX, Equifax, or XXXX ] consumer report : XXXX XXXX SS. XXXX DL XXXX After recently reviewing my credit report I notice several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX ) in the ( Balance ). It is your duty to ensure that all information reported is consistent a most importantly accurate and credit report agency failed to do so. I request DELETE this erroneous item immediately. That affect my credit am my self with out reason. Also am try to get my sold letter with my lender until XX/XX/2021 and they bring excuses still work in it. 

Dispute Account for Lenders or Institutions ( Inaccurate Reported ) - XXXX XXXX XXXX XXXX For the Following Reasons : Balance of {$4000.00} is Inaccurate Reported Paid as agreed on XX/XX/2021 Balance must be in XXXX account paid Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hi, I had called Citi credit card to enable the 5 % cash back they confirmed they enabled it how ever when the time came to give me the % 5 cashback they did not give me the same so i called them and asked for it they said my 5 % was not enabled it was probably enabled on my husbands card to which i am added account holder.After a lot of argument they gave me XXXX $ in cash back however i deserve XXXX $ more of cashback. 
the ignorance on enabling the cashback was on the account of CITI customer service rep i should not be penalized for the same. I demand XXXX $ more in cashback. 

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

Went online in XX/XX/XXXX to shop on store website - then to check available credit line since I had not used that account > year. Immediately noticed balance. Attempted to review statements available but only statements available showed interest and past due fee each month. Contacted creditor by phone, English obviously was not primary language for rep. Explained had no knowledge of purchase that rep said had been made back in XXXX. Explained to rep that I had made no purchase on my card since XXXX of XXXX and had paid that off in full, had not received any statement showing balance due nor any notice that a payment was do. Req credit for debt while they provided me with proof of the charge and credit for all fees or finance charges assessed due to circumstances. Also req any removal of negative reporting to CB. Rep replied would be able to waive one fee as one time curtesy. Req his supervisor as this was not a curtesy req but a dispute of a charge. Was disconnected by agent. Since then have verbally chatted with them in regards to the matter and to re-iterate now that they have started collection actions against me in violation of my consumer rights that they must cease and desist calling my work phone number. To date, I now receive a monthly statement each month with an additional fee and finance charges, They have my work number on a dialer that plays a recorded message to call them, My credit report now reflects a seriously delinquent if no now charged off account which has impacted my credit score XXXX points already. My last chat conversation with the company informed I would contact CFBP if they could not take the corrective action requested. Still no response from XXXX, still continue to report inaccurate data, still continue to call my work number every day.
Product: Checking or savings account

n 2017, I held an account with Wells Fargo. The account incurred numerous fees, including NSF charges, which eventually led me to close it during a period of financial difficulty. Subsequently, I filed for bankruptcy due to insufficient funds. I believe that the excessive fees levied by Wells Fargo were unreasonable and contributed to my financial hardship. 

After reading online, I saw that the CFPB had filed a suit against Wells Fargo for the mishandling of customer accounts, and I believe I am one of those customers. Hence, I should be compensated for the times that I was charged wrongfully for fees.
Product: Checking or savings account

On XX/XX/2019, I opened with my wife ( XXXX ) a checking account in response to a promotion offered by Wells Fargo. The promotion offered to pay us {$400.00} if we established a new checking account with automatic monthly deposits. When we opened the account, we informed the account rep, XXXX XXXX, that my wife is a school teacher and wont be receiving a pay check or automatic deposit during one month of XXXX. XXXX represented to us that there is a 60 day grace period to make automatic deposits for purposes of receiving the {$400.00} promotion payment. On XX/XX/XXXX, I contacted Wells as I had not yet seen a {$400.00} credit to our account. The Wells Fargo rep said that we didnt qualify for the {$400.00} credit because we failed to make three deposits in a row within a five month period. I informed the rep what XXXX had represented to us regarding a 60-day grace period. The rep opened a case regarding the matter to research if we were eligible for the {$400.00} based on what XXXX represented to us. I followed up with Wells by calling on XX/XX/XXXX. The rep said that no case manager had been assigned to our case. I called Wells again on XX/XX/XXXX and was told a case XXXX, XXXX, was assigned to the case. I was transferred to XXXX and XXXX told me that the Promotions Team was reviewing the matter and that he would contact me within one week to update me. After not receiving a call from XXXX, I called him on XX/XX/XXXX and he was gone for the day. I left a message for XXXX to contact me. As of today, XX/XX/XXXX, I have not heard from XXXX and there is still no resolution to this matter.
Product: Debt collection

Sent letter to LVNV on XXXX XXXX for a debt they claim I owned requesting proof of ownership, the right to collect on the and to show it was not written off as a tax liability, A signed agreement between me and creditor or me and collection agency, purchase agreement showing who has owned the debt and if the debts is able to be sue for. I received no Communcation back for the debt collection agency within XXXX days. Instead on XX/XX/XXXX I received notice I was being sued for the debt in civil court.