23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called in for Income Driven Repayment in XXXX. I filed for Income Driven Repayment in  XXXX and submitted a bank statement as my proof of income in XXXX. I saw that my payments were due on XXXX XXXX ( the date when all of my loans entered repayment ).

On the Navient website the bank statement ( which I submitted ) is listed as an acceptable form of proof of income. My written communication from Navient indicates that I needed to complete ( or re-file ) an application for Income Driven Repayment. I called Navient on XXXX XXXX and the first phone representative was pleasant, sent a new application and indicated that she wanted a different proof of income. I never received any written notification that the proof of income that I submitted was the issue, but that I needed to re-file the application. I would have to either : walk ( in freezing weather ) to my rental office or get one from work. 

I called Navient again after reading on the Navient website that a bank statement was accepted as proof of income. The phone representative debated this fact and asked me to read from the website. As I read the acceptable proof of income, the customer service, the representative admitted that she was not able to read along and could not view or navigate to the Navient site that she asked me to read from.

I asked the representative to get a manager. The manager indicated that a bank statement was acceptable when someone was self-employed. I insisted that the proof of income was not rejected in writing. ( And why should I interrupt my work day to get documentation from work when I had already submitted acceptable documentation to Navient, according to their guidelines? ) The due date for my student loans was changed during this interaction with {$260.00} coming due on the XXXX XXXX ( the date that I believe was the date of my last contact with Navient ). All loans were due on XXXX XXXX prior to this call. Either as a result of the lack of job knowledge from the reps and manager or out of malice, this happened.

I have not received information or any update regarding my Income Driven Repayment application status. 

If the bank statement is it not acceptable proof of income, I would like written correspondence from Navient. The phone reps were guessing that the reason why the application was rejected was because I used a bank statement for proof of income. Your written correspondence regarding the application does not support anything that your phone reps said.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are on my credit report as charged off. they were included in a XXXX  XXXX bankruptcy. I sent letter ( XX/XX/21 ) to them. But most updated my credit report incorrectly. changed the balance only to zero but still left it as charged off. TD bank USA/Target sent a letter saying they were going to update the credit report but have sold it. they are as follows. 
td bank usa/ target, XXXX XXXX XXXX XXXX mn XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  oh XXXX XXXX XXXX XXXX, same as above XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  oh XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX
Product: Credit card or prepaid card

Opened account XX/XX/XXXX. At the time my credit was poor. Since then in an attempt to improve credit rating I opened a couple of credit cards to establish an improved credit rating. I consistently paid on time and never missed a payment. My credit rating improved over the year. In XX/XX/XXXX I paid account down by {$400.00} with a balance of {$400.00}. Within 3 weeks they decreased my limit to {$460.00}. I continued to pay on time. On XX/XX/XXXX I paid off account. On XX/XX/XXXX they closed my account. I called, they said it was based on my credit overall report. Only item that changed was an erroneous remark from XXXX  that a payment was missed. That was resolved and removed from my credit history. Even though my credit is in better standing than when I opened account they closed it, which negatively affected my credit rating. I asked them to please review it again since the recent missed payment from XXXX had been resolved. They refused, stating once an account is closed, it will remain closed forever. Im concerned about their blatant disregard for the consumer.
Product: Mortgage

I am a XXXX and Power of Attorney for my sister-in-law who is XXXX years old and suffering from XXXX XXXX XXXX XXXX making it necessary to have me participate in her affairs. 
Effective XXXX XXXX, XXXX. The care service started acquiring her Social Security check before her mortgages could be paid. The bank holding her XXXX and XXXX mortgages is Bank of Albuquerque ( owned by Bank of Oklahoma ) was notified of the situation by me as POA and stayed in constant communication ( XXXX or XXXX phones calls fielded per week ). I found out from running a title binder, that there was also an IRS Lien so I had to submit POA to IRS and get that amount before pricing the house for sale in order to liquidate the mortgages. I informed both of the branches ( XXXX and XXXX mortgages are serviced by different branches of the same bank but communicate as separate entities ) when I finally got the IRS remaining lien amount, assign a price to the house and begin marketing. I received the lien amount from the IRS on XXXX XXXX, received a couple workable offers on the property XXXX XXXX and XXXX based on IRS update received on XXXX XXXX, 2016 ( good until XXXX XXXX, 2016 ). When I attempted to contact Bank of Albuquerque, they refused to discuss the mortgages anymore because at some point since the last statement dated XXXX XXXX, 2016, they had turned them over to their legal department ( a law firm that only takes messages ) and referred me to them. After leaving multiple messages with no return calls, I again contacted Bank of Oklahoma Loss Mitigation and customer service who told me " too bad '' you need to contact our foreclosure department even though they do not answer the phone and are hard to get hold of. Their advice was consistently the same, my only hope was to keep trying. Even though I have XXXX qualified offers for purchase they would not assist in contacting or discussing the foreclosure. My sister-in-law has not been served any foreclosure papers nor have I, even though I am on their ( Bank of Albuquerque and Oklahoma 's ) forwarding list and phone list, and yet they refuse to allow a sale that would pay off the debts. Instead, they will hold up any sale until the IRS lien can grow and they can tack on sufficient legal fees to force a foreclosure or short sale and the ruination of the home.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$9300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Consumer protection submission I attended XXXX XXXX and graduated in XXXX. ( Later changed to XXXX XXXX ) In XXXX, I applied to Borrower Defense Program with the US Department of Education. 

During the application review period, my loan ( s ) with XXXX were automatically put in an administrative forbearance. 

XX/XX/XXXX, I was advised that my applications was part of a class action lawsuit- XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX. ). Payments were still on hold. 

XX/XX/XXXX, I was advised that my application for borrower defense was ineligible. Payments were still on hold. 

XX/XX/XXXX, I was advised of a proposed settlement in connection with the XXXXXXXX XXXX XXXX lawsuit. Payments were still on hold. 

XX/XX/XXXX, I was advised that my school was named in the lawsuit. The settlement terms were as follows : " If your borrower defense application related to federal student loans borrowed to pay for attendance at a school on the list attached to this letter, you will receive a discharge of federal loans associated with that school and a refund of any amounts paid to the Department on those federal loans, and the credit tradeline for those loans will be deleted from your credit report. Within 90 days of the date that the court 's approval of the settlement agreement becomes final, the Department will notify you that you will receive this relief. You will receive the relief within one year of the final effective date of the settlement agreement. Until this relief is provided, the Department will not take action to collect your debt. '' It appears that XXXX has discharged the loans. HOWEVER, the have marked them as delinquent. That is erroneous. No payments were due during the application process, during the lawsuit and during the period when XXXX was required to fill its legal obligations as outlined in the settlement. 

This erroneous classification of my loans has caused my credit score to drop significantly. I would like for it to be corrected. 

I have emails and screenshots to for reference if necessary.
Product: Credit card

I got invalid interest charges every month although I made full last statement 's balances by the due dates. I have been charges interest since XXXX to XXXX and I contacted customer service many times via email, messages, phones but Citi kept saying it 's valid charges and gave me no more explanation. I still make full payments except the invalid interest charges until the issue is resolved. Customer service specialists were not helpful and they always told me to do sth to avoid charges, but I followed and still be charges appr {$65.00} each month just for interest on zero balance.
Product: Checking or savings account

On XX/XX/2024 I was checking the tracking number of an order I was supposed to receive. My computer froze with a message reporting that the site was not a " secure '' site and to call XXXX at the listed telephone number. After long conversations I was convinced that I was talking to a representative of my bank ( USAA Federal Savings Bank ). This representative told me that on several occasions 2 companies had tried to hack into my savings account and it was USAA 's recommendation that I create a " dummy account '' for wire transfer. The company was XXXX XXXX in XXXX. When it was determined that my account was safe the {$12000.00} would be transferred back into my savings. 

After longer conversations, I realized that I was in-fact talking with the hackers. I immediately called USAA and reported it. The agent I spoke with tried to put a stop on the transfer but it was too late. USAA said it would take 7-10 days to finish their investigation. 

A few days later, while talking with an FBI agent from XXXX XXXX XXXX XXXX XXXX, I realized that USAA had not requested any information from me that may have resulted in getting my {$12000.00} back. I have names, telephone numbers ( the address from the company that I placed my order with- which was a series of numbers that I did a " reverse look up '' on and found out that it was in-fact the phone number for a legitimate company in XXXX  ) XXXX The same area where the dummy account that USAA suggested I open was located. The company was " dump truck salvage '' company, no longer in business. 

Can you please help me get this money back? I am a XXXX XXXX XXXX woman who has to wake up at XXXX in the morning to go to work. I have to work full time and was hoping to go part-time after a XXXX XXXX XXXX that I am having on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 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 four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Inquiries XXXXXXXX XXXX  XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Fifth Third Bank - In Fall of 2020 I gave {$50000.00} from an IRA to bank and instructed bank to put it in a callable CD ( I already had similar investments ). Instead, it was invested into something called XXXX XXXX XXXX XXXX against my wishes and direction. It was very clear as I had even had an argument with the lady when she suggested investing into anything other than CDs. I have since withdrawn the funds. I understand that XXXX XXXX XXXX XXXX are not secured by FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I sent the consumer reporting agencies a letter about an inaccurate late payment on my consumer report and also letting them know that they are violating my rights as a federally protected consumer As of today XX/XX/2023 the consumer reporting agencies has disregarded my Request and once again violated my rights under the FCRA and they are also not complying with their own policies in a timely manner. 

the law States that the CRA 's has 30 to 60 days to investigate the consumer request and if the information on the consumers report can not be verified it has to be deleted from the consumers report. so now its been well over 75 days and the inaccurate Information has not been verified and its still reporting on my consumer reports and the CRA 's has missed there deadline so I'm demanding this information be deleted from my consumer report immediately.
Product: Prepaid card

XXXX XXXX I attempted to add {$100.00} to my XXXX account with a {$500.00} AMEX gift card I had received from my employer as a holiday bonus. This resulted in XXXX temporarily suspending my account due to " suspected fraud. '' XXXX XXXX, I attempted to use the card on XXXX to try to purchase a {$350.00} stand mixer for less than the balance of the AMEX gift card. This was declined. 
On the same day, I tried to purchase the same {$350.00} stand mixer on XXXX to the same rejection of the gift card. I immediately tried to purchase the same {$350.00} stand mixer on XXXX and the payment was rejected again. 

All of the above purchases were well below the balance of the Amex gift card, and at least one of the above companies should have been able to succeed in processing the payment.
Product: Money transfer, virtual currency, or money service

XXXX XXXX applied a {$20.00} credit to my account XX/XX/2016. I didn't have a bill anymore from them so I call and they assured me the credit is there and when I close the account they would give it back to me. After I closed the account I do a chat to make Sure they are sending it to the right address. They tell me they see the credit but it is their policy not to give me the money. I said there is a big mistake so they continue to harasss me thinking I'm just going to drop it and they can keep my money. The manager acknowledge he wasn't sure if it was legal or not but he still wasn't going to give it back. They previous representative said it was on Google pay but when I talked to them they said they have nothing to do with XXXX XXXXXXXX. Google stole my money and they deceived me into thinking I would get it back later so I wouldn't file a complaint with my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on my investigation, the credit bureaus are misrepresenting the information because XXXX XXXX XXXX XXXX Mortgage 's reported that my mortgage increased by {$10000.00}. There was a forbearance taken which should not have resulted in {$10000.00} being added to my mortgage loan to give the appearance to the credit bureaus that it increased. I was told by XXXX XXXX Mortgage that it would not be reported in this manner to the credit bureaus which was untrue. I was led to believe that there would be no penalties for taking a forbearance. This process of convincing a customer to take out a forbearance and that it will have no impact on the credit score should stop. It is misleading and deceptive to a customer. In addition, XXXX XXXX is reporting the mortgage account one way on their " XXXX XXXX '' dashboard with a different balance than in another section of their website under the mortgage payment section. So there is conflicting payment information on the XXXX XXXX XXXX XXXX website for my mortgage loan. This appears to be a " glitch '' in their system that is unresolved which creates confusion for the customer. Their on-line website reflected conflicting information for my mortgage loan beginning in XX/XX/2021. Prior to XX/XX/2021, it was being reported correctly on their website. Their new enhancements with the " XXXX XXXX '' has created conflicting information in their system for my mortgage loan resulting in the way the balance is reported and shown to others.