23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My relationship through Navient was a constant source of XXXX in my life. I contacted Navient several times in order to determine whether my loans were eligible for reduced payments without going into forbearance. I was told that because I was not residing in the US that my loans were ineligible for income based repayment, for both Federal Student Loans and Private Student Loans that were consolidated at an exorbitantly high interest rate, 8 %, in XXXX. We were advised ( threatened ) that interest rates would go up even further so consolidation was the only viable option. I was neither able to renegotiate later when interest rates went down dramatically nor re-consolidate at a lower rate. When I gave XXXX in XXXX and was subsequently XXXX, I communicated with the lender and was told I could defer payments and then was sent a bill for the months missed with compounded interest. When I was able to pay extra towards my loans, in XXXX, it was never put towards the prinicple. 
My loans were handled in a vile fashion. I never felt represented or helped, only taken advantage of and XXXX at every turn. We depleted our family savings in order to get this repulsive agency out of our lives every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled my  XXXX  cellular service in  XXXX   XXXX .  XXXX  in  XXXX   XXXX  sent me a bill that was not correct for my last month of service. I did not ignore the bill. I contacted  XXXX  and they confirmed that the bill was not correct. I have the online chat transcript from  XXXX  confirming their bill is incorrect, which I will attach to this complaint. Instead of correcting the bill  XXXX  sent it to bill collection company called  XXXX   XXXX   XXXX   XXXX . I became aware of this in  XXXX  of  XXXX . I initiated a dispute with all  XXXX  credit reporting companies and they deleted it from my report, including Equifax. I have attached the  XXXX   XXXX  dispute response from Equifax.  XXXX  then sent the bill to another collection agency  XXXX ,  XXXX  who placed it on at least  XXXX  credit reporting companies  XXXX   &  Equifax. I became aware of this in  XXXX  of  XXXX  and again disputed the action and  XXXX  deleted it from my credit file. However, Equifax has taken the position that the bill is accurate. They have done this based solely on the fact the  XXXX ,  XXXX  has reported back to them that they believe the bill is correct because the vendor  XXXX  now claims the bill is accurate. I have attached the correspondence from Equifax on the latest dispute. Equifax has done this even though I have provided them evidence from  XXXX  that the bill is not correct. I no longer know how to defend myself against Equifax and  XXXX ,  XXXX  who insist to ignore the evidence provided directly from the vendor  XXXX  that a incorrect bill is correct. This has been a tremendous amount of work. It has had a negative impact on my credit rating of  XXXX  points and is causing problems with my business activities. I respectfully request that you assist me in getting Equifax to properly report my credit.
Product: Credit reporting or other personal consumer reports

years I've been fighting with these credit agencies about accounts being solicited on their platform for profit and gain without my explicit and direct consent. And for years these credit agencies use their platform to harm the character of consumers while causing stress and mental anguish while they gain profit off of the consumers name. There are XXXX accounts in question that XXXX refuses to verify but continues to publish on their platform regarding consumer XXXX XXXX non public personal information. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. I never gave the XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX explicit or written consent to publish my non public personal information. The definition of XXXX means to prove something through sworn statement. I never received a sworn statement after requesting verification of accounts which is a violation of the XXXX Fair Credit Reporting Act and also a violation of XXXX XXXX XXXX in the conspiracy to team up against me in the collection of a debt as well as XXXX XXXX XXXX XXXX - Peonage, slavery and trafficking of persons. The Credit agencies is also in Violation of section XXXX of the Fair Credit Reporting Act XXXX XXXX XXXX Permissable Purpose. These accounts are XXXX accounts and the credit agencies is still reporting a balance when no credit amount should be displayed at all. Because I never gave written or explicit consent to publish non public personal information, The credit agencies is also in Violation of XXXX XXXX XXXX - Aggravated identity theft stemming from violating FCRA XXXX XXXX XXXX XXXX XXXX permissible purpose can be access and used by third parties. Therefore I am exercising my consumer rights per FCRA under XXXX XXXX XXXX and demand a block of information resulting from identity theft. The CFPB can provide appropriate proof of the identity of the consumer. This information is not information relating to any transaction by the consumer. The Credit agencies, XXXX XXXX XXXX nor XXXX XXXX can provide a sworn statement under penalty and perjury that they have explicit consent to furnish non public personal information about consumer. This is my notice that if either company can not provide a sworn statement that consumer owns, owes a debt to them or if verification can not be provided to consumer for consumer to inspect and these items still remain on consumers credit report after verification process then consumer will take it as a willful act of violation against the consumer and will be forced to file suit of claim in state court. There isn't any lawful contract in effect between XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. No verification has been sent to XXXX XXXX proving consent or agreement for the publication of non public personal information. XXXX, Experian and XXXX are non government affiliate private third party entities who are purposely violating consumer rights. I XXXX XXXX do hereby attest under penalty and perjury that I did not give explicit or written consent for my non public personal information to be shared with any third party entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 2 : it also states consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I was told I had to pay over the phone and sign an email statement. They would not send me paper mail and they do n't take paper payments. This is a copy of " visual voicemail '' threaten to contact my employer ; '' Good afternoon XXXX XXXX this is XXXX XXXX over here would XXXX how you did speak with XXXX of my representatives back on XXXX XXXX regarding your case in your account here in the office you supposed to contact them back to stop my client from proceeding forward for further action but we have yet to hear back from you at the present time they sent your account down to my department if I do fail to hear from you I will assume that you are forfeiting your legal right to resolve this matter on a voluntary basis and at that point in time or notify my client they can proceed to move forward. First I fax it over employment verification to your employers office once employment is verified the client will proceed forward to the next level. The number you would need to contact if this if this is something you would like to still resolve. ''
Product: Student loan

Concern Over Transfer of Discover Student Loans to XXXX XXXX Dear CFPB Team, I am reaching out to express my concern regarding the recent transfer of my student loans from Discover to XXXX XXXX. Given the ongoing legal issues involving both companies, I am seeking guidance on whether this transfer violates consumer protection laws, and if so, whether I may qualify for relief, including potential loan cancellation. 

Discover has been involved in a class-action lawsuit ( XXXX XXXX Discover Bank ) that settled earlier this year for violations of the Civil Rights Act and Californias Unruh Civil Rights Act, specifically discriminating against Deferred Action for Childhood Arrivals ( DACA ) recipients in their lending practices. While my situation does not pertain to DACA status, the negligent management of their lending practices is evident. 

I am particularly concerned about the subsequent transfer to XXXX XXXX, a company that is currently facing a class-action lawsuit for alleged violations of the Rosenthal Fair Debt Collection Practices Act and other federal consumer protection regulations. The fact that my personal and financial information has been transferred to a company with a questionable track record of fair debt collection practices raises serious concerns about data security and compliance. 

I am inquiring if the transfer of my loan under these circumstances can be deemed unlawful or unethical under federal consumer protection laws. Specifically, I would like to know : 1. Can I request the cancellation of my loans on the grounds that the transfer to XXXX, a company involved in ongoing legal proceedings for unfair debt collection practices, constitutes negligent management and mishandling by Discover? 

2. Does the CFPB have the authority to intervene in cases where loans have been transferred to a servicer currently under legal scrutiny?

3. What are my rights regarding this transfer, and what recourse do I have if I believe my loans are being managed by a servicer not in compliance with federal and state regulations?

I am looking for assistance in understanding my rights and determining whether I have a valid case for relief. Given the seriousness of these allegations and the potential impact on my financial stability, I would appreciate a thorough review of my situation and guidance on the next steps. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX -- - If you'd like to adjust the details or tone, feel free to let me know!
Product: Credit card or prepaid card

Starting on XXXX Lowes Card- a person called and change my address, phone number, email address to obtain a card. They used and they kept changing the address even I did it too many times. 

Right now the amount due is aroung {$32000.00}/ I called and they have the account under investigation. This people is from XXXX IL. I live in South Carolina and I have not change my address since XXXX -
Product: Credit reporting, credit repair services, or other personal consumer reports

LANIER COLLECTON SERVICES maintain files under my Social Security number. 

Upon reviewing a copy of my credit reports, I see entry listings of {$74.00}, {$150.00}, {$47.00}, XXXX, {$98.00}. This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debt twice. I received the bills they sent to me, but no contracts and no validation or signatures. 

They must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all  information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report on closed accounts shows Sync/JCP which this account was opened in 1997 and closed per my request but on my credit reports it shows closed due to inactive. I closed this account years ago with no balance. False credit reporting. This account is also older than 7 years. Please remove account from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove and/or update those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted and/or update immediately or I will file for litigation due to the stress you have caused me. Please correct and update the late payment reported from my report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH 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 my 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 those account 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 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 reports
Product: Credit card or prepaid card

I had 2 transactions that I made during the XXXX Holidays and I didn't receive the items. I made a dispute with XXXX XXXX and they never contacted me personally to inform me of a decision being made before denying both disputes and charging me for items they originally credited, pending dispute! I refuse to pay for items that I didn't get! They have charged the money back to me stating that the merchants say the merchandise was delivered to my front porch ( no signature ) and that was enough information to deny the claim. They stated that I need additional information stating that I want them to continue the dispute process through XXXX-but NOT once did they send a letter explaining this process and inform me of this. I didn't find out that my card had actually been re-charged for these purchases until I attempted to use my card and my card was declined. The representative that I spoke with this evening stated that they tried to call me ( there were NO messages left from this company ) which I find hard to believe. I never received this merchandise and refuse to be charged for items I never received! I never received a letter a phone call or message stating that they needed additional documentation to continue to pursue this case! If I had not called in after a purchase is declined, I would have never known- this is ridiculous! I want my money back immediately.
Product: Credit reporting or other personal consumer reports

My account with FLAGSHIP CREDIT ACCEPT was never late! I have had exceptional payment history witH 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 my 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 those accounts 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 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 reports
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, which left me extremely concerned. I routinely check my report, but this time, there were strange discrepancies. Refreshing my browser didnt fix it, and now Im left feeling uneasy. I need this issue addressed immediately with a thorough review of the documents I provided, so I no longer have to worry.
Product: Mortgage

Wells Fargo foreclosed on my property with no right to do so. They did not pay off the previous mortgage I did. I paid them back my own money and then they took my property my escrow my proceeds my income and a loan I have paid again included in a mortgage on my house. 
Wells Fargo needs to return all of the money I paid them including the escrow they collected on another property to which I made separate payments to another lender. And return the money they were not entitled from the foreclosure. 
They owe me more.
Product: Debt collection

Paid account in full all payments on time on the requested due date per invoice. Company placed the end of promotion date just 2 days earlier. We were entraped by fine print. Called to settle within 3 days. No concession over a 2 day miss on the final payment. Company demands interest on the total amount day one. Offered to split it. No Offered to wire the invoice NO All other banks and CC cards we deal with have the due date and promotion date match avoiding this entrapment. Every company I have ever had to call about a rare mistake overlooked the small amount when offered a wire transfer or mediate resolution. Watch out for these sharks
Product: Consumer Loan

A former room mate of mine put me as a personal reference on a loan for a company called " XXXX XXXX XXXX. '' It 's been over two years since he 's moved out and I do n't even know his phone number. I have told them this repeatedly and they call every two or three weeks asking me if I know where he is. They have been doing this for over a year now. They keep telling me the same thing, that he put me down as a reference. I never signed anything or even knew of this company until they started calling. I have blocked their calls on my phone but they still leave voice mails constantly.
Product: Credit reporting

I have formally disputed an account Citibank N.A. says I owe. The formal Dispute was never communicated or recorded as disputed on my credit report within 30 days as directed by the FCRA. I sent formal letter of dispute in XX/XX/2016. Citibank said account verified and sent an account statement. Credit report in XX/XX/XXXX still showed no dispute had been communicated to all XXXX CRAs. I informed them that the account was in error. They continued to report negatively to Credit Reporting agencies. I have since received a letter demanding payment from another company called XXXX A collection company. Even though the account has been disputed multiple times, and they have been told this account is not mine, they continued to report negatively and sold the debt as a factual account to XXXX. I have never had a Citi Costco Visa, nor have I ever applied for one. The only card I processed associated with Costco was an XXXX which was closed and paid as agreed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 states I have the right to Privacy. 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.
Product: Credit card or prepaid card

I am an American Express XXXX XXXX holder, for which privilege I pay {$5000.00} a year in fees alone. I have been an Amex customer since XXXX. You would think that qualifies me as a good customer, right? WRONG!!! I called the dedicated customer service line XXXX XXXX XXXX at XXXX XXXX  on Sunday, XX/XX/XXXX and spoke to a woman called XXXX based in Florida. I wanted to put a charge into dispute. I was on hold for 4 minutes and then for a further 8 minutes while XXXX " transferred '' me. After 12 minutes 30 seconds she came back to me to tell me the disputes department was closed on Sundays and she could not help me. This complaint is about three things : 1. American Express refuses to accept my dispute. This is illegal under the Fair Credit Billing Act. Amex encourages you to contact them via phone about disputes, but on weekends they refuse to accept disputes 2. This representative does not know what she is doing. How can I wait 12 minutes to be told the disputes department is closed? Why wouldn't she know that when I first spoke with her? When I told her that she should know this and she needs retraining she said I " insulted '' her. Fortunately these calls are taped 3. This is not the sort of service Amex advertises for the extortionate fees that it charges. This is a " bait and switch '' fee policy. My fees should be partially refunded for this lack of service, I am supposedly paying for
Product: Money transfer, virtual currency, or money service

I would like to send money to XXXX XXXX savings from my PNC bank account. Many other national banks are doing this, and I would like to as well in order to help me keep my savings. 
PNC uses all sorts of digital transfers and for whatever reason is not allowing this one. I have been trying to add money to my XXXX XXXX savings for months and consistently get the error that something on the PNC end is not allowing the transfer to take place.