23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient calls me and my mother who is my co-signer excessively. I can't believe I've been paying these two loans for 10 years and they still won't make it affordable especially where I live. I went back to college 10 years ago to get a better job but I live in Ohio and my area code is XXXX. We live in a village. There are no jobs here. None. I can't tell you how frustrating it is. 

But my husband is sick and we can't leave. So therefore I'm trying to make the bills with my job and my husband 's XXXX. It's hard. I thought for sure going to college would make a difference in our income but it hasn't yet. That's been 10 years ago. Navient has told me over and over I can't release the co signer my poor mother whom is XXXX   years of age. So I keep trying over and over again. 

Navient hasn't helped me much over the years. Excessively calls through auto systems, they also didn't help to lower payments, they also said there was no way to release my mom.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I received an update that my credit score had dramatically decreased. It appears that although I updated my loan Autopay information with XXXX for my auto loan, it did not properly register and failed to debit my bank account for my loan payment. I believe that this was not user error and was due to shoddy maintenance of the XXXX website, which is the only way to access financial information regarding my account. When trying to double check that I did not have any outstanding payments and double check that my Autopay information was properly updated, I attempted to access the XXXX website but was unable to do so due to additional website errors. I did not receive any notice of the failure to pay via a usable means of communication until the missed payment was reported to the credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$26000.00} XXXXXXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts was open fraudulently. Heres my police report to go with my ftc report to have theses accounts removed or blocked.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024. I saw some I hard a close account witch was pay n full n promise by the XXXX XXXX  that it would be removed not have permissible purpose. I also attached evidence 1. [ XXXX XXXX  ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Checking or savings account

On XXXX XX/XX/2021, I was checking on my on-line checking account, when I saw three transactions for {$4600.00}, for debit return item. I went to the bank right away, told them that I didn't make those charges. They told me that someone had told my social security number and driver 's license, the picture on the license was me wearing a surgical mask. they told me to contact the credit bureaus and social security office which I did when I got home. The next day, another {$4600.00} was taken from my account. My wife and I proceeded to go to Bank of America, closed our savings and withdrew half our money left in the checking account. The bank then froze that account, transfer the rest of money to a new account. A few days later, another {$4600.00} was remove from our account. So we then removed what money from the new account, and had it froze also. A fraud was made with the bank. I've tried calling several times to the main bank, got the run around, been to the branch office, told the bank was going to send me an Affidavit to answer, sign, and send back, but still waiting. Have written letters to the CEO of Bank of America, the corporate office, no reply yet. Did receive five checks from Bank of America that the imposter cashed, and sent copies to FTC for my identity theft case.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX ENHANCED RECOVERY CO L Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

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

I have 2 XXXX XXXX XXXX XXXX tradelines that are showing as negative. Both are installment loans and both are confirmed last paid in XXXX with dates of last activity of XXXX as recently as XXXX. XXXX/XXXX/Experian have willfully and knowingly let this creditor RE-AGE THIS ACCOUNT which is illegal. 

Both of these accounts are STILL showing on my Credit Report after 8 years of date of last activity. Additionally, they will not respond to any letters by US Mail requesting debt validation with specific dates. They have over 30 days to respond and letter sent out over the past 4 months have gone unanswered. 

I need XXXX/XXXX and EXPERIAN to immediately delete this accounts or risk immediate state and federal lawsuit for financial harm and willful/deliberate violations of the Fair Credit Reporting Act. How can these powerful, multi-billion dollar profitable companies have more compliance and hire personel to monitor and now allow for tradelines to re-age very very old tardiness. These credit bureaus are completely liable. 

I have already filed a complaint with the Florida 's State Attorney Office and have already been in contact with a Law Firm ready to file legal action against these 3 credit bureaus. 

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

First week of XXXX I called the credit bureaus because they were reporting accounts inaccurately. They told me to submit disputes and to include my social, ID, and copy of utility bill proving identity/address. I did all this on XX/XX/2020. They all received my disputes certified the same week which will be uploaded here. Please help
Product: Credit card or prepaid card

On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( Synchrony Home ) was closed due to " Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against experian and equifax regarding fraudulent and inaccurate account reported on my credit file i contacted the company and the bureaus and asked questions and requested contracts and documents to know at least what this account is and to know who opened it. This account was opened without my knowledge or consent, and they are in a lot of violations and inaccurate and constituting identity theft and violations of federal and state laws. I am requesting immediate enforcement action under the authority of the Consumer Financial Protection Bureau ( CFPB ) to have these accounts removed, blocked, and properly investigated. 

Violations of Federal Laws : Failure to Notify ( 15 U.S.C. 1692g ) : Creditors are required to provide written notification of debts within five days of reporting. No such notification was provided, rendering these accounts illegitimate.

Failure to Ensure Accuracy ( FCRA 607 ( b ) ) : Credit bureaus are mandated to ensure maximum accuracy in reporting. Discrepancies in balances, credit limits, open dates, and payment histories indicate violations. 

Failure to Investigate ( FCRA 611 ( a ) ( 1 ) ( A ) ) : Credit bureaus must complete investigations within 30 days. My disputes remain unresolved beyond this timeframe.

Failure to Reinvestigate ( FCRA 611 ( a ) ( 6 ) ) : Credit bureaus must reinvestigate disputes upon request. My requests were inadequately addressed. 

Failure to Protect Personal Information ( 15 U.S.C. 6801-6809 ) : Under the Gramm-Leach-Bliley Act, financial institutions and credit bureaus must safeguard consumer data. A breach in security has evidently occurred.

Identity Theft Protections Violated ( 18 U.S.C. 1028 ) : Fraudulent accounts violate federal protections against identity theft under the Identity Theft and Assumption Deterrence Act.

Failure to Provide Resources ( 15 U.S.C. 1681g ( e ) ) : Credit bureaus must provide victims of identity theft with resources, fraud alerts, and support, which were not offered. 

State Law Violations ( Florida Statutes ) : Fraudulent accounts violate Floridas identity theft protections. 

Fraudulent Account Details : XXXX XXXX Account Number : XXXX Issue : Fraudulent and unauthorized account with discrepancies in payment status, open dates, and reporting across credit bureaus. Notification was not provided. 

Laws Violated : 15 U.S.C. 1681, 1692g ; FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have this account updated with XXXX, but they are still incorrectly reporting this loan. Although I filed for bankruptcy in XXXX, this auto loan was paid in full instead of being excused in that filing and I own the title for that vehicle free and clear from Chase as of XX/XX/XXXX. 
JPMCB AUTO Account number XXXX I have attached my title and lien release for that vehicle from chase when it was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

*See attached Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Product: Credit card

On XXXX XXXX XXXX  Amex allowed charges totaling {$20000.00} in a single night to be charged to my account XXXX I have had this Amex account for 38 years and the highest monthly balance ever was ~ {$10000.00} Not only did they did not alarm me to this unusual activity but after I disputed the charges they demanded I provide them with my personal banking statements and paycheck copies so they can do a financial review of my account. They requested this information AFTER they had already allowed the fraudulent charges to be added to my account. 

I refused to provide my personal financial information, so they canceled all my Amex accounts, so I guess my 38 years of prompt payments and loyalty meant nothing. 

I demanded they remove the {$20000.00} in fraudulent charges from my account and they refused.
Product: Credit reporting or other personal consumer reports

They neglected to make a mortgage payment when the full amount of funds were in the account. They charged false late fees XXXX XXXX. They also reported this as a more than 30 days late payment. All evidence is in a PDF document that I will upload.
Product: Mortgage

On or around the date of XX/XX/XXXX, my wife and I, who are first time home buyers, were discussing with my lender XXXX Bank of America ) on a loan estimate for a mortgage on a new house we will be closing on XX/XX/XXXX. The account manager for us was XXXX XXXX. 

During that discussion, I had told them that we were ready to move forward with the loan with Bank of America. We had directed the lender to do a 90-day lock in rate so that we have that rate locked in by the time we close on the house. Then, we went through signing papers for the application. 

Routinely, I kept checking in with my lender to see if there's anything else that needs to be done on the loan application. As first time home buyers, there's a lot to the process so I wanted to keep verifying with my lender if there were any steps that were missed. There was no mention of not having the rate locked in. 

Around the end of XXXX, as I was checking in with my lender, he told me he had in fact not locked in the rate. I've been trying to work with the lender XXXX Bank of America ) on getting this resolved, even with the managers above my direct contact. The manager, XXXX XXXX, was supposed to call me back on XX/XX/XXXX, but then told me they would need another day. Its been two additional days since and my calls are not being answered or returned. 
After calling around the company for customer service, someone told me the verbal message from the manager was that they will not honor the 90 day rate lock in I had originally requested. 

I do not know how things are normally done, but as a first time home buyer, the process felt incredibly deceptive. It didn't feel like my lender was working in my best interest and only looking to increase the upfront loan costs. Additionally, with a new loan rate, which have increased, my closing costs will also increase significantly.
Product: Credit card

Chase Cardmember services notified me by a letter dated XX/XX/2016 that my Chase Amazon.com Rewards Visa account would close when my card expires XX/XX/2016. I have excellent credit and have a XXXX balance on the card. I have not used the card for years, however, that should not be a valid reason for closing an account due to the negative impact it will have on my credit score. I spoke with a supervisor at Chase and they declined my request to keep the account open.
Product: Money transfer, virtual currency, or money service

RE : Case # XXXX with Coinbase On XX/XX/2020, I received a text that my password was changed and if I didn't change it, which I didn't, to respond and lock the account. I did and the account was locked and Case Number XXXX was generated. Today, XX/XX/2020, I was informed my account was unlocked and when I went back in, missing from my portfolio was XXXX Bitcoin Cash and XXXX Bitcoin, totaling several thousands of dollars. I've contacted Coinbase Support and emailed CEO, XXXX XXXX, but have not received any replies. The History on my account shows these funds were transferred out of my account without my permission within 5 minutes of my password hack, so there is a digital fingerprint. Typically when I've legitimately changed my password, there are verifications codes in advance sent to my XXXX that legitimizes my request, which also recognizes a new device if one is used. These weren't received. There is also a two factor authorization needed from XXXX XXXX unique to my XXXX to sign in to my Coinbase account that was bypassed. I want to know where my funds are. My last legitimate transaction was on XX/XX/2020. Thank you
Product: Debt collection

Receivables performance MGMT XX/XX/2017 this company send me a bill collect for The originally XXXX XXXX .. for the amount of {$570.00} I contac XXXX XXXX and XXXX  and XXXX this bill is a fraud from someone else stolen theft my identity at this time I provide you my real ID my driver lincense with the only I Adress I live at for the las couple years! Now Im asking you to take care this situation .. in the right way and fair XXXX XXXX say they dont know about this account but is in my XXXX report from you. I need this verified again and I need you to take this off my credit report XXXX  be cuz I never get any service from you or XXXX XXXX I can prove it in court if we have to go the bottom line of this situation.
Product: Credit card or prepaid card

On XX/XX/2021 I disputed a charge with Citicard for {$1200.00} to a merchant XXXX I had purchased some bags and purses from their website and never received the products. I disputed the charge on XXXX XXXX after I tried multiple times to contact the seller with no success. The tracking number the website provided just said the item was left at doorstep but would not provide any additional information. I never heard back from Citicard and never thought anything of it. At some point they messaged me in their internal message system requesting me to reaffirm that I did not receive the package. I did not receive a letter, an email or a phone call requesting this and did not receive any notifications about the need for my additional signature or information needed. They denied my claim and when I realized that in XXXX I reopened it but they closed it again with no attempt to assist me. Again, they never contacted me about this and never provided proper notification of the disputes through formal channels with me and continue to be of no help. I never received my items and now They refuse to help me with the charge.
Product: Mortgage

I called over 1,000 times asking why earthquake insurance was not paid during renewal in XXXX.Four bills were sent to mortgage escrow department. I signed disclosures authorizing to pay policy.
Product: Credit card or prepaid card

In XXXX I applied and was approved for a new Chase Sapphire Visa Card. Due to the problems with the US Postal Service, I had to re-order a new card, delaying its arrival and activation by 20 days. Once I activated the card I called my bank/card company Chase, in XX/XX/XXXX, to change the due date to a mid-month payment instead of a first of the month payment. They said that they would change my due-date but never did. 

I called again last month in XX/XX/XXXX to change the due date- and for about 2 weeks when I would check the account it appeared as if it had been changed to due on the XXXX of each month. However, when I checked my bank account today, the XXXX of XXXX, the due-date for payment has somehow reverted back to the XXXX of the month. 

I have sent a message to Chase and I am wary that they will do the right thing by me, as I have had to have a conversation with them every month since I have activated this credit card. 

When I spoke to to the representative they alleged that they would send me a letter through the chase app/online banking portal this is the message that they sent me. That being said, when I open the documents center NO SUCH LETTER is available. 

We posted a new notice or letter in your Chase Mobile app and at chase.com/statements. 

Here 's what it's about We changed your payment due date. 
We encourage you to read the entire letter, because it contains specific information about your account. 

View your letter in two ways From Chase Mobile, go to your profile and choose " Statements and documents. '' At chase.com/statements, just sign in to your account. 
Youll see your letter under Notices and letters. 

To view or change your delivery settings, please sign in to Chase Mobile or chase.com.

Letters and notices sent may be from subsidiaries and/or affiliates of JPMorgan Chase Bank , N.A.
Product: Student loan

Repeatedly denied income based payments. My income was garnished fraudulently. Interest and penalties continue to be accrued while they ignore the law.
Product: Mortgage

Midland Mortgage reported my account as being delinquent due to them receiving the Home Owners Assistance Fund and proof of wire transfer from previous Mortgage carrier XXXX XXXX XXXX for both the month of XXXX and XXXX. I have made a dozen calls to Midland Mortgage and to the XXXX XXXX XXXX to confirm that the payment was wired from XXXX XXXX XXXX to Midland mortgage for both XXXX 's and XXXX 's payment to avoid them reporting negatively on my account. Today i get an alert showing that Midland Mortgage reported on my credit report that my account was delinquent when i did everything i could possibly do to prevent this and was told that on XX/XX/28 that i did not have to worry about this issue because they are working hard to locate the wired payments that XXXX XXXX XXXX wired to them in XXXX and XXXX. I need this fixed immediately because i take my credit very serious.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX, XXXX, 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 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 that are reported 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. XXXX XXXX XXXX, XXXX, 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
Product: Debt collection

I'm a XXXX  XXXX  and live on a very limited income ( mainly XXXX ). Most of my bills are medical related and are typically paid in small chunks or by my health insurance. Compass Recovery Group has been harassing me for months and now my aging mother about a debt that I dont owe. They say I owe one .... and when I tell them my situation and that I can not pay, they have threatened to take legal actions against me. When my mother has spoken to these people, they refused to give her any information about the matter or the company. Fortunately, she didn't give them any information about me except that she would pass the message along to me.