23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened an account with XXXX XXXX ( XXXX XXXX XXXX ) through a promotional offer at the XXXX XXXX location in XXXX Ohio on XXXX/XXXX/XXXX. I received the statement and the balance of {$48.00} was paid and left my bank electronically on XXXX/XXXX/XXXX, within 19 days of the initial charge. On XXXX/XXXX/XXXX I was charged a late fee and on XXXX/XXXX/XXXX a min fee was charged of {$2.00} before the payment was applied that same day. I called on XXXX/XXXX/XXXX and requested to have the account closed. I felt I should not have had a statement until XXXX and the fees were excessive and unfair lending practices. I received another statement this month and now the balance has increased to {$60.00} all late fees and min fee charges with no indications on the statement that the account is closed. I called again and was told the first statement was generated on XXXX/XXXX/XXXX, 1 day after the account was opened and the initial charge because the account was opened in the middle of a statement cycle which was XXXX/XXXX/XXXX This delayed the statement reaching me via mail. The statements are generated on the XXXX of each month but do not reach you until later in the month. I feel these are unfair lending practices and fall into the predatory lending category.
Product: Credit card or prepaid card

I charged purchased with my Walmart card on line and in store back in XX/XX/XXXX I returned everything on beginning of XX/XX/XXXX today I received my billing statement I see that there is over {$60.00} balance I look at my statement I see no return of {$29.00} {$150.00} on my account and that was month ago I dont understand why I ecumulate balance when I had a zero balance before make a purchase and after I returned everything doesnt make any sense other than this is a new fraud way fior banks credit cards to make extra money and they know most customers either dont have the time or dont pay attention or just to scared of if they fight it the credit card company will reack their credit file so they just pay it. 
But I am different and when I see wrong doing I will go after them and wont allow them to cheat me.
Product: Credit card or prepaid card

Consumer Financial Protection Bureau I have received over 50 robo calls from " Chase Bank '' offering to decrease my credit limits. I hold NO Chase Bank cards, NO JP Morgan cards. I have spoken with reps and demanded they remove my name from the call list. I have filed a FCC complaint. These calls are to a registered DO NOT CALL list device. This is incessant and harrassing.
Product: Credit reporting or other personal consumer reports

Trying to build good credit him look forward to building a
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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, Transunion '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have tried lowering my payment multiple times with navient however they always tell me a low payment that sounds good to me that I can make and then send me a link. When I go to the link the information never matches and then when I call navient back they act like the conversation that I had with a previous person never happened. I just want a lower payment so I do n't have to stress about being able to have enough money to eat and pay bills. Credit is very important and I hate thinking that I struggle to just stay a float.
Product: Debt collection

In early 2021 I attempted to update my smart phone service with XXXX XXXX XXXX online. I requested a new phone and new service. The following day I received an email saying my credit card purchase was declined. I called the credit card company and found out that because of two back-to-back purchases the transactions were declined. I then called XXXX XXXX XXXX to discuss the issue. Somehow the representative from XXXX XXXX XXXX initiated a new purchase and also processed the one that was declined at first. When I became aware of this, I contacted XXXX XXXX XXXX and cancelled both transactions. I had to repeatedly call XXXX XXXX XXXX to stop these purchases but got the now two ( 2 ) phones and services. I returned the phones and called XXXX XXXX XXXX again and thought the problem was resolved. It wasn't. I went with XXXX. I have had to give three ( 3 ) different debt collection agencies proof of that I do not owe this debt and I have another one calling me every day, sometimes three ( 3 ) times a day. Be advised that I cancelled the phones/services with XXXX XXXX XXXX  XXXXithin the fourteen-day period ( 14 ) period as was contractually agreed upon. I have recordings of my calls with XXXX XXXX XXXX detailing my attempts to rectify the problem.
Product: Debt collection

I have had the same phone number for over 10 years ( earliest I remember is XXXX ). Over the last 3 years, I have been notifying Navient whenever I pick up that I am not the person they are trying to reach regarding a debt and to stop calling me. 

My last conversation ( XX/XX/XXXX @ XXXX XXXX ET ) was with XXXX XXXX in their Recovery Department ( XXXX ). I once again informed them that I am not the person they are looking for and to stop calling me. XXXX made a note on the account with my request however there were more people before XXXX who informed me that they made a similar note. I still receive calls. 

XXXX provided me with Navient mailing address for written correspondence regarding this issue to which I plan to send a cease and desist letter. I am writing to CFPB to address the situation with Navient as I have given more than two opportunities to address this issue. I will send a cease and desist letter through legal representation based on a resolution with CFPB.
Product: Vehicle loan or lease

I bought a used vehicle from Audi in XXXX in Maryland, I financed it thru Audi Financial services. I moved to California in XX/XX/XXXX and since registered my car here, paid the vehicle sales tax and did everything CA requires. I paid off my vehicle in XX/XX/XXXX, it is XX/XX/XXXX and still no title. This is extremely time sensitive as I need to sell my car ASAP. I called Audi about this issue in XXXX, I was told they would investigate and call me back, they never did. I've since called Audi 3 times in XX/XX/XXXX and they continue to tell me the same issue- they don't know but will research and call me back. Every time I call for an update they tell me there still isn't one. 
They have confirmed I've paid it off. Last I spoke with them, they told me we could try a lien release form that I could take to CA DMV, they said it would be overnighted and two days later I've never received.

We are going on 10 months of no title since I paid off my car. This is fraud and my title is being withheld with no explanations. Please help.
Product: Mortgage

XXXX XXXX must be forthright, must be truthful, must not play games, you must answer this question, you must produce the documentation, you must " PROVE UP ''. 

Occ # XXXX -published Cfpb # XXXX Letter Dated XX/XX/2017 Chase sai the exact ; XXXX funding securitized the loan into a mortgage trust for which XXXX XXXX was the TRUSTEE. 

Prove up with documentation that XXXX XXXX was trustee of above said XXXX loan? 

DO NOT CONTACT CHASE.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of a fraudulent account from my Equifax credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. 
The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX  Account Number : XXXX This account was opened fraudulently in my name without my consent. According to 15 U.S.C. 1681c-2, once a fraud alert or identity theft report is received, Equifax should take prompt action. As this fraudulent account is causing significant harm to my credit profile, I request its removal within 4 days, in line with the urgency typically required for such cases. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. I kindly request your support in this case, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to remove a cleared medical debt ( collection ) from my credit report. The cleared medical debt collection is with a 3rd party company named XXXX XXXX for original creditor XXXX XXXX XXXX in the year XXXX report. Both XXXX and XXXX removed the cleared medical debt collection account a long time ago. I have disputed the cleared medical collection account with Experian and even filed a complaint with the CFPB complaint number XXXX. Experian responded to my complaint that they verified the cleared medical debt with the data furnisher and the account will remain on my credit report. Experian did not need to send the dispute to the data furnisher as it was Experian 's responsibility to remove the cleared medial debt from my credit report. I have attached a page from Experians own website that clearly states " all cleared medical debt was to be removed from credit reports in XXXX of XXXX. ''
Product: Checking or savings account

If you can send me an email I will send you the info of how much and everything it is fraud and I can get no one to help me I'm a senior citizen and NetSpend took money from my Social Security checks for 2 months and they will not give me my money back and they closed my account without me knowing it back in XXXX of 2022 please tell me that you can help me this is very upsetting and I just didn't know where else to go thank you and have a blessed day
Product: Debt collection

They have had multiple times to send me the debt validation and verification papers I requested! I have spoken with them requesting the documents! Ive mailed them requests in writting Ive emailed them at the address the listed on the debt the have the worng number, wrong address, no signature of mine! I wont give them much more then my name because I dont want them editing what they have yet to send and its been months and not response and calling from at least a over 75 different numbers constantly 7 days aweek and leave no message just sit there until the call ends day in and day out all hours of the day or night! The account numbers are wrong! The XXXX XXXX XXXX XXXX XXXX  immediately said it was a fraudulent account yet they sell an account they KNOW is fake to a debt collector and none of the info they have is real! First of all they are way out in XXXX XXXX XXXX in XXXX XXXX  there are XXXX purchases on the account as well yet they just appear as a debt owed with no service having been used ir provided! They closed the first fraudulent account them opened a another account in my name again unauthorized by me! this time adding fees and debt to the account yet Im not anywhere in the system! I have XXXXXXXX XXXX on time payments everything I ever bought! But I refuse to pay for an account was man up intentionally to do me harm and with out my consent what so ever and completely against my will! {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) This account does not belong to me. I do not now, nor have I in the past, had an account with XXXX XXXX. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but have gotten no response and it still remains onXX/XX/XXXXand XX/XX/XXXX Please help me resolve this issue as it should not have been on my report to begin with. I paid it immediately once i saw it and was told it would be removed and it is effecting my ability to get a home loan.
Product: Checking or savings account

Vystar Credit Union, XXXX, FL has had the online banking services down and unaccessible to all customers since XXXX XXXX. Further, while a major upgrade of all online services was planned and executed, the CEO had a planned vacation. CEO was not local during major upgrade and the upgrade has been nothing but a failure with more thousands of people unable to access their accounts to change bill payments, make transfers to cover shortages, check balances, and schedule bill payments. Prior to this upgrade, XXXX XXXX was down for a full week. I have been unable to change existing or schedule new payments for two weeks. This is negligence and every Vystar customer should be provided with relief. The CEO should be penalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX. Please remove this account ASAP.
Product: Vehicle loan or lease

Malicious calling ... this company will call you and hang up even after you speak to a representative ... A representative of the company was told that a payment could be made on XX/XX/XXXX. I was told the payment would draw from my account by that Date but not for the day of the call XXXX. The representative bullied the call and drafted the payment for XXXX after I specifically told a specific date XX/XX/XXXX ... the payment was returned and the vehicle was repossessed on XX/XX/XXXX. I have the money to cure my loan however the vehicle is damaged and not driveable due to the towing company. How can I continue to pay on a car that is supposed to be working under this contract if they damaged the vehicle while I'm recovery. They are offering to cure my loan with a damaged vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to handle this with Transunion. I mailed a letter and followed up approximately XX/XX/XXXX or so with a CFPB complaint. It has exceeded the time allowed by federal law. 

Please be advised that this is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further action. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this debt is not valid. 

Please verify, validate and document that I am LEGALLY obligated to pay this alleged debt. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. 

PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXX XXXXXXXX DEPT OF ED / 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

Hi, TD Auto finance is not acting like honest creditor. I paid off my complete loan payment according to contract signed and at the end they keep asking little more few XXXX dollars without any further explanation and that bill they did send timely. According to my understanding I paid off all loan including interest and charges more then {$42000.00} and every payment gone by electronically proof. And at the end every single XXXX paid of and I have letter issued by them Paid in full notarized letter but unfair act they did is last payment they received and mentioned that amount charged off without authentication. Even they unreasonable amount I paid them off and their was no reason to mention charged off while they have all money in their pocket. This unfair action and negative act hurting my credit report and restricting me for getting any further vehicle loan. Please take action of this cruelty of TD Auto finance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report. The following late payments are reporting inaccurate and therefore need to be reinvestigated. Inaccurate late payments and incorrect and incomplete information. 



XXXX : Late Payment Dates Reported : XX/XX/year>, XX/XX/year>, XX/XX/year> Inaccurate/missing information : XXXX XXXX reported as N/A, XX/XX/year> not reported Experian : Late Payment Dates Reported : XX/XX/year>, XX/XX/year>, XX/XX/year> Inaccurate/missing information : XXXX XXXX reported as N/A, but XX/XX/year> was reported XXXX : Late Payment Dates Reported : XX/XX/year>, XX/XX/year>, XX/XX/year> Inaccurate/missing information : XXXX XXXX reported as paid, but XX/XX/year> does not show any information Per 15 U.S. CODE 1692e - False or misleading representations. Account Number : XXXX Update to Open/Never late Attempts to fix the inconsistencies with the company and credit reporting agencies is attached. No resolution has been made and inaccuracies continue to exist.
Product: Student loan

My student loan payment is due on the XXXX of each month. I paid my loan in full as I usually do ( {$120.00} ) on XX/XX/XXXX. I received notification that it was received from Mohela. A week later I got a notification that my payment was past due. I logged on and half of my payment had been reversed ( {$63.00} ), with NO NOTICE given to me, on the XX/XX/XXXX. 

I called and spoke to a rep, who was not able to figure out why that happened ( she was very nice ). I paid the {$63.00} assuming it was a one-time issue since the had just moved over to a new platform. I received notification from Mohela that my payment had gone through. 

This was on XX/XX/XXXX. 

I received another notice on XX/XX/XXXX that my account was overdue again. I logged in to pay my XXXX loan and to see what was up - and the payment from XX/XX/XXXX had been reversed AGAIN, on XX/XX/XXXX, with no notice. 

I called once again and nobody could figure out what was going on ( she was also very nice ). 

I finally removed my bank account information from Mohela ( it was linked directly ) and re-added it, and made the payment ( {$180.00} - {$120.00} for XXXX and the {$63.00} " overdue '' ). 

I have no idea if it will go through. But I physically can not make my student loan payments and Mohela can not fix the issue. 

I have had no issue until now. 

I am on PSLF and can not afford to miss payments.
Product: Credit reporting or other personal consumer reports

An account under the name XXXX XXXX was opened on XX/XX/XXXX, and subsequently closed on XX/XX/XXXX. This account shows no balance and no transactions but is marked as charged off as bad debt without indicating any amount. 

On XX/XX/XXXX, I contacted XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX, XXXX, to notify you about a new account on my credit report that does not belong to me. I included a fraud affidavit, a police report, and an FTC identity theft report with my correspondence. Despite waiting for a response, I received none. 

On XX/XX/XXXX, I sent a follow-up letter via U.S. mail , reiterating my previous communication and resubmitting the documents. To date, I have not received any response.
Product: Credit card or prepaid card

I have XXXX amex membership points through the amex platinum card. I try to transfer the points and XXXX and it doesn't allow. I called them and they have no further details on it other than saying it is being reviewed. Why are they freezing my account? I am a customer who has spend over XXXX on all amex cards in 2019.
Product: Credit reporting or other personal consumer reports

Please REMOVE and DELETE ALL OF THE FOLLOWING LATE PAYMENTS : XXXX XXXXXXXX XXXX SS ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

I have encountered persistent issues with XXXX XXXX 's reporting practices, specifically regarding a paid charge-off that has been erroneously re-reported on my credit each month. 

Despite the credit bureaus having deleted this entry, XXXX XXXX continues to inaccurately report it, resulting in ongoing negative impacts on my credit score. 

Despite my repeated attempts to rectify this matter with both XXXX XXXX and the credit bureaus, they have been unwilling to investigate or correct the error. 

This continuous reporting of a paid charge-off is not only misleading but also damaging to my financial reputation.
Product: Mortgage

Ive made 2 previous inquiries to Freedom Mortgage via phone about removal of PMI ( Private Mortgage Insurance ) once my loan to value was under 80 % in XXXX. I was told that PMI wouldnt be  removed until the original date the loan is due to be under 80 % ( several years from now ), even if I reached this number sooner than that date. I sent an electronic message via the Freedom Mortgage website on XX/XX/XXXX. I received an electronic response that stated informed us about the " BPO Process '' and getting our house appraised in order to start the process for PMI removal. This was the first time i was notified about this process and appraisal. Whether deliberate or customer service incompetence ( or lack of knowledge ), I've overpaid PMI Fees since XX/XX/XXXX. Freedom mortgage failed to inform us about the BPO process during my previous inquiries. We were not informed of the BPO process until Freedoms Mortgage 's reply on XX/XX/XXXX. Since we've met all requirements for removal of PMI since XX/XX/XXXX. On XX/XX/XXXXWe sent a electronic message via the Freedom Mortgage website requesting that they waive the BPO fee of {$100.00}, and refund all PMI payments made following the loan balance reaching 80 % of original value. On XX/XX/XXXX we paid the mortgage in full ; we called Freedom mortgage to make sure the wired funds were received and to check on the PMI request. The representative stated that the wire was received ; however, they did not see the written request made on XX/XX/XXXX. I informed the representative about my request to refund PMI payments, and they she stated that thats not something they typically do.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>