23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX and throughout XXXX I called up several times to find out repayment plans Id be eligible for and requested information on loan forgiveness. I was told I was ineligible for that. The customer service representatives were discourteous and unhelpful, many times putting me on hold for 45 minutes. When asked to escalate to supervisor, I was refused. A few times I was told - my questions didnt have answers. I asked what about being in a plan making payments consistently for 10 years with loan forgiveness, they said theres no such plan. They said theres no such thing. I said I was having difficulty making payments. They told me they couldnt assist. I had to file for bankruptcy. Suddenly my loan which only has 5 % interest rate went from being XXXX to now {$96000.00} in only 2 years since being with Navient after they have fraudulently charged interest charges and illegal surcharges as this has never happened with the previous lender. I am not working full time right now and can not afford these payments and until they correct and remove the fraudulent charges I will not make payments. I have rights.
Product: Student loan

I recently submitted a request to my loan servicer documentation needed to request a XXXX XXXX XXXX XXXX but have denied my request. It is believed that the denial request is discriminatory in nature and without merit. I am a XXXX XXXX XXXX who was injured in a car accident on XX/XX/XXXX and onXX/XX/2021, which made my disabling conditions much worse and required additional medical treatment. 

The deferrment request was signed by my XXXX XXXX XXXX XXXX who acknowledge and confirmed my injuries have made it difficult to work at this time and require further medical treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up my month payment via my check account, as a I do each month. XXXX XXXX XXXX ( card services ) pull the {$50.00} payment that was due on XX/XX/XXXX, on XX/XX/XXXXfrom my checking account and then in the month of XX/XX/XXXX, placed a 30 late on my credit report, as if the payment had been made 30 days late. I called in and ask about the matter and was told, that the only thing they could do to correct the matter was to adjust the late fees. The month prior to this call, I called in and asked why I was making my payment each month and the balance would continual to increase. Keep my credit card over it's limit and making me unable to use the card for any goods or services and the balance was increasing more and more each month. XXXX has a system, that adds {$35.00} late fee, to your account, if the payment has not been processed by a certain time on the XX/XX/XXXX of each month EST. The late fee is often more than the monthly payment and triggering a balance increase each month, after the payment has been made. Therefore, placing the consumer deeper and deeper in debt, without any usage of the card and enriching XXXX, with free monies each month from excessive fees. 

I called and spoke with XXXX about the 30 late fee and was told in short that, the only thing they could do to correct the matter was to adjust the late fees on the payment. They have no idea of where the payment that was taken from my checking account, was routed to or credited to. This is very unprofessional and XXXX is unwilling to assist in correcting the mistake that has been made by their account program/system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX TO ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2019 ; XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$540.00} ; XXXX XXXX Original Creditor : 07 XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : 09 XXXX TOWNHOMES ) XXXX Balance : {$4500.00} ; XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX FL XXXX XXXX ) XXXX Balance : {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I have rights under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

XXXX  is governed by 15 USC 1681, and they have violated my rights numerous times. I demand that the accounts listed below be removed from my credit report post haste : Account:XXXX  Account:XXXX  Account:XXXX**** Account:XXXX  Account:XXXX  Account:XXXX  Account:XXXX  Account:XXXX  Account : According to 15 USC 1681, I have the right to privacy and I did not in any way give XXXX my written permission or consent to furnish these accounts.
Product: Mortgage

Nationstar sent a property inspector by my home. This has happen several times but on XX/XX/2017 I was home. The gentleman drove up in the driveway after taking pictures of the house. I told him I was the owner and he stated he was doing a property inspection. I invited him in and he refused. As he backed out of the drive way he made several XXXX remarks toward me. He drove around the corner and came back trying to agitate me. I contacted the police department and my attorney. A report was taken for the harassment.
Product: Debt collection

According to XXXX XXXX XXXX XXXX I owe them a debt in the amount {$470.00}. I do not have a contractual obligation to this therefore they are in violation of law 15 U.S. code 1681. My credit report is inaccurate. I have a right to an accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my score and report. There are items on my credit that does not belong to me. These are the items that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX   XXXX {$400.00}
Product: Mortgage

We received a Mortgage XX/XX/XXXX through Greentree Mortgage on a mobile home Payments are XXXX at 14.4 % interest rate. Trailer cost {$30.00} My last statements shows that I still owe {$27.00} as of XX/XX/XXXX. 

Now they are Ditech and I have always used their insurance. 

Does this sound possible
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried to get my free Equifax annual credit report from the XXXX website. It asked me questions that weren't even close to my credit history, so I answered " None of the above '' to each question. I got a reply that they couldn't confirm my identity and I would have to mail them a hardcopy form, with two pieces of ID. This has actually happened to me every time I've tried to get my free report from Equifax ( I've had no problem getting them from the other two bureaus ). So I filled out the form and included a copy of my Soc Sec card and my drivers license. Then on XX/XX/XXXX, I got a letter from Equifax saying they can't find a credit file in their database with the ID info I gave them, and to further assist me they need additional documents verifying my ID, for example, my Soc Sec card and my drivers license!! I tried calling them at a few different " Customer Service '' numbers. All I got was an automated system that ended up asking me 4 questions that, again, weren't even close to my history. In fact, they might have been the same questions I was asked in my online request. I again answered " None of the above '' to each question. I got a response that, because they can't verify my ID, an agent can't assist me at this time. The end. In XXXX, I had to send a hardcopy request ( as usual ), but I did get my credit report. And it looked OK. That was before their security breach. After the breach, I was able to lock my report without problem. So, they could find me then, apparently, but not now. Because they keep asking me questions not even close to my credit history, it makes me wonder what they've done to/with my credit report information. So, I really would like to get my report from them, to make sure my information is correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX XXXX XX/XX/year> NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Account : XXXX XXXX XXXX Account number : XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ XXXX XXXX XXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2A
i by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s [ XXXXXXXX XXXX XXXX Account Number : XXXX ] Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit card or prepaid card

I told Wyndham Rewards and  XXXX   XXXX   ( Barclay 's cards ) to  closed my accounts in order for them to stop charging me {$400.00} in late fees and interest in both cards and they told me that they will continue doing so until I pay them off. I think that they are wrong because when an account is closed is not supposed to be added more late fees and interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mid Atlantic Financial is reporting to my credit. They have be asked several times to furnish via FTC and myself to provide documentation they have not complied with this lawful order. The company is in violation of Unfair deceptive debt collection practices for failure to comply with the FTC notice to furnish and continuing to report to all three credit bureaus and will not supply the documents requested. Per FTC regulations they have 30days to supply documentation they refuse. Company was notified of identity theft XXXX/2020. This is not a duplicate complaint this company continues to report resulting in valid use of the CFPB processes.
Product: Checking or savings account

Had my phone stolen on XX/XX/2024 in XXXX XXXX, La. They attempted fraudulent activity in several bank accounts. I contacted all my banks including my Robinhood investment account via email on XX/XX/XXXX, in two separate emails ( which are listed below in the photos. I advised Robinhood support that I have had fraud activity in several accounts and to not allow any transactions out of my Robinhood account. I advised that I have not touched or made any transfers in my Robinhood account within the last 6 months and that I need my account frozen. On XX/XX/XXXX Robinhood responded with WE RECIEVED YOUR EMAIL and acknowledged my email with a case I.D . number regarding this incident. On XX/XX/2024 I made a police report through XXXX XXXX PD and provided all of the attempted transfers and screenshots of all the fraud activity through several accounts. All of my institutions, as well as the XXXX XXXX PD deemed unauthorized/ fraud activity through my accounts. On XX/XX/2024 Robinhood allowed over XXXX dollars to be transferred out to an unknown debit card. Robinhood allowed my bank account to be disabled and a new card to be added to my Robinhood account ending in XXXX. I contacted Robinhood immediately and they advised they would have to complete a review. On XX/XX/XXXX, Robinhood sent me an email saying they completed their review and the good news is they found NO unauthorized activity within my account, and that a reimbursement will not be completed. This is all after they were advised 5 days before the funds were transferred out and they acknowledged it. It has been a nightmare to get ahold of anyone at Robinhood who can assist with this incident. Robinhood was supposed to have a supervisor contact me 2 weeks ago within 24-48 hours and I still have not heard from one. Robinhood also emailed me today regarding my appeal I requested after they concluded that there was no unauthorized activity in my account. Robinhood advised there was no error in their desicion, and I am not eligible for reimbursement. I have a lawyer currently involved and he just sent a demand letter to several members of their legal council yesterday on XX/XX/2024. We are currently waiting on a response before we take legal action. 

This has been the most stressful experience Ive encountered in my entire life. ROBINHOOD assured me that unauthorized activity would be reimbursed if deemed. I have proof in these several emails that are attached below that they were notified, recieved, and acknowledged my request, several days before allowing my money to be transferred to an unknown debit card. Robinhood is the only institution out of 5 that is deeming this incident not a fraudelant incident, and not unauthorized actvity. 

I also have the police report if needed, I can be contacted via email and can attach the report made- documenting that I had fraud activity in my Robinhood account prior to the funds even being transferred out. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I formally communicated to your agency via certified mail that I was the victim of identity theft. Despite this notification, as of today, XX/XX/year>, your agency persists in reporting information that arose as a result of this identity theft. Under Section XXXX, which governs the Block of Information Resulting from Identity Theft, consumer reporting agencies are mandated to inform furnishers of information, including financial institutions, when there is a possibility that reported data may stem from identity theft and that an identity theft report has been filed. 

In accordance with this requirement, I provided FTC report number XXXX and requested a block on the fraudulent information. Upon your receipt of this notice, Section 623 ( a ) ( 6 ) compels furnishers to cease the reporting of any information in a consumers file that the consumer identifies as resulting from identity theft. This action must be taken no later than 4 business days following the receipt of : ( 1 ) adequate proof of the consumers identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of the specific information by the consumer; and ( 4 ) a consumer statement affirming that the information does not pertain to any transactions made by them.

I have fulfilled all these conditions, which will be substantiated by the documentation attached to this complaint. However, your agency has not complied with the Federal Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c2, which requires the blocking of information identified as resulting from identity theft within the stipulated timeframe. This constitutes a violation of the law, making your agency civilly liable for willful noncompliance. I am entitled to seek actual damages sustained due to this oversight, as outlined under 15 U.S. Code 1681n.
Product: Credit card

I leave in the US but travel frequently to XXXX where I have an apartment. 
I pay all my bills in XXXX with Key Bank cards. 
My internet company has been disconnecting my service for no payment as off the beginning of 2024. It turns out that for this one company ( XXXX XXXX ), every time they try to bill my account, as I have asked them, the bank flags them for fraud. I have asked the bank, multiple times to not to block my account for charges made by this company but they keep doing this over and over. This causes me to have to call, and spend much time with the fraud dept over and over. You can see that I have complained about that already about how stupidly and unprofessionally Key Bank 's fraud department, operating out of XXXX XXXX, operates. Today they hung up on me and did not bother to call back after from XXXX XXXX EST, I spent 17 minutes on the phone with them. I am assuming therefor that my payments to this account will remain blocked. Key Bank does not seem to care or be able to improve the service relying on foreign based operators. I would like my time not to be wasted on this issue anymore.
Product: Debt collection

Hi dir sir Im XXXX XXXX I dont know what this soing mee I think it not mee sum thighs wrong I dont know about this what this I dont know about ant cand off debt recovery genesis
Product: Student loan

I was previously on the XXXX XXXX however after consolidating my loans I had to re-apply for the plan. My application for the XXXX plan has been on hold since the injuction. Per Mohela 's and student aid website individuals with pending applications for XXXXXXXX XXXX will be placed in interest free forbearance. It has been XXXX and my account has been accruing interest. I've spoken to Mohela about this several times and the accruing interest on my account has yet to be adressed. Every XXXX I also have to call Mohela to put my account back in forbearance ( where I am still being charged interest ) or repay my loan at the rate for the standard repayment plan which I can not afford. It seems unreasonable that I would be punished for administrative/legal issues with processing my application for a more affordable repayment plan that are beyond my control. All I am requesting is that Mohela place my account in an interest free forebearance and retroactively remove the interest that accrued over the past several months where I should have been in a interest free forbearance per there website.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy. Here is the personal information I am asking you to correct because it is inaccurate and incorrect : NAME : XXXX XXXX XXXX ; XXXX XXXX [ XXXX ] DATE OF BIRTH : XXXX PREVIOUS ADDRESSES ( ES ) : XXXX XXXX XXXX XXXX TX, XXXX [ XXXX ] ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ Experian ] ; XXXX XXXX XXXX XXXX XXXX, TX XXXX [ Experian ] XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX [ XXXX ] ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] EMPLOYERS : XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX
Product: Credit card or prepaid card

-XX/XX/XXXX an item was ordered by accident from XXXX  costing XXXX dollars. 
-- XX/XX/XXXX I received notice via e-mail that the item was ordered. On that same day I called XXXX and cancelled the order. 
-- XX/XX/XXXX item was delivered when I was at work. On that same day I called my credit card company and told them to hold payment because I cancelled the item and it showed up anyways. 
-- Not sure exact date but early XX/XX/XXXX I shipped item back to XXXX unopened. 
-- XX/XX/XXXX without me knowing XXXX disputed delivery because they did not receive or process return yet. 
-- XX/XX/XXXX XXXX received return. ( I have proof with attachment ) -- XX/XX/XXXX credit card company issued refund back to XXXX based on XX/XX/XXXX information. I was never told of this until I received bill in XX/XX/XXXX. 
-- Beginning of XX/XX/XXXX I received bill from credit card company with the XXXX charge on it. 
-- Early XX/XX/XXXX I have numerous calls with the credit card company and XXXX on this matter. Credit card company tells me they paid XXXX on XX/XX/XXXX and I have to pay XXXX dollars or be charged interest. When I talk to XXXX they tell me they have no record of refund on XX/XX/XXXX ( I have proof with attachment ), but they do agree that the item was returned. I call credit card company back and asked for some kind of confirmation number or proof they sent XXXX the money on XX/XX/XXXX so I can give to XXXX so they can track down the transaction. Credit card company tells me there is no proof they can give me. 

-- So the main thing I am trying to get is proof of the transaction from my credit card to XXXX on XX/XX/XXXX in the amount of XXXX so XXXX can possible track this transaction down and I can get a refund that I deserve. 

-- The credit card company is bank of America. 

-- I would greatly appreciate any help you can give me on this matter.
Product: Credit card

JP Morgan Chase has decided to close all my credit cards and checking in savings account. I havent done anything different as far as transactional wise, but Ive been chosen for closing the account due to unexpected activity which I was at a country recently for the last 18 days which mightve caused an error in the system. I know they do judge the account and have to go through analytics through a computer that decides maybe theres just a judgment error. This is very inconvenient and will possibly affect my credit score which is unfair due to the fact that there is no reasoning behind it or at least there hasnt been given one when I contact them
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

On XX/XX/20 I noticed to fraudulent accounts on my credit reports. XX/XX/20 I filed an FTC Identity Theft Report with the credit bureaus. As of this writing XXXX, XXXX  & Equifax are still reporting the fraudulent accounts.
Product: Debt collection

Mailed a debt validation letter on XX/XX/2024 requesting validation of this debt.