23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, I am a XXXX XXXX and I XXXX XXXX XXXX in XX/XX/XXXX with 4 unsubsidized and 4 XXXX XXXX  loans. The unsubsidized don't enter repayment until XX/XX/XXXX. However, the XXXX XXXX loans entered repayment on XX/XX/XXXX. 

I was unable to make an account from XXXX due to website issues with Aidvantage, my loan servicer. I finally was able to log in on XX/XX/XXXX and saw that my XXXX XXXX loans had entered repayment on XX/XX/XXXX and I was receiving past due notifications for {$3100.00}. However, I had meant to apply for the XXXX program, as I am not able to afford this in XXXX. My XXXX XXXX counselor helped me. We discovered that using the Aidvantage website, I was unable to apply for XXXX using my tax information from last year, which would make my payments XXXX because of XXXX income last year. I was only able to set up SAVE using my tax info when I directly went to XXXX. 

Now, I have to take care of this false balance of {$3100.00}. It was not supposed to enter repayment until XX/XX/XXXX, like my unsubsidized loans, and then should have been {$0.00} per month because of XXXX. So I needed to address this with Aidvantage or apply for a 6 month post enrollment deferment to have these charges undone, however I was not able to get into contact with Aidvantage. I was on hold for 2 hours twice without getting into contact with anyone. I tried to schedule a call back from the website, however every available slot was grayed out and so I was not able to do that. I have not heard from them, and I am concerned because I am worried about being reported as having late payments to the Credit Bureaus. 

Please help!
Product: Checking or savings account

1 ) BMO Harris purposely has long wait times to avoid assisting consumers resulting in charging excessively high fees.

2 ) Unnecessary delays in deposits has lead to charging ( {$76.00} overdraft fees ) excessive fees.

3 ) They threatened to changed the status of my account without any warning. They refused to provide new terms or a specific date for when this change would take place. 

Specific Instance : On XX/XX/XXXX I was charged an overdraft fee when I had available funds. On XX/XX/XXXX the BMO Rep provided false and misrepresentative information on several data points. For example, she stated that my  funds were available while the mobile app clearly stated pending. Also they threatened to change my type of account without any written warning.
Product: Credit reporting or other personal consumer reports

I previously filed a complaint about missing information in my Experian Credit Report. Their assessment of my credit says it is average to poor as I have no mortgage loan or recurring auto loan or debt. I repeatedly provided " Boost '' access to my bank which has had my mortgage since XXXX of XXXX ( never late ) but they refuse to add that mortgage to my information. The same bank account pays my monthly auto lease, yet Experian still says I have no auto payment even though they do show the credit inquiry when the lease was granted! 
I have attached a bank statement, with bank names and account numbers redacted, for XX/XX/XXXX showing payments of each of these recurring accounts. 
I am very disappointed in the quality of their reporting that repeatedly removes me from more favorable credit terms!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth request : On several occasions, the last being XX/XX/2021, sent via certified mail, I submitted disputes to Experian, regarding fraudulent account XXXX XXXX XXXX  reflecting on my credit report. On my XX/XX/2021 letter, I asked again, for Experian to provide me with all methods used to verify/validate ownership of this fraudulent account. They did not do so again, which is a violation of my rights. Experian also continues to actively report on this charged off account, which is also a violation of my rights. This is formal notice that I want mailed to me ALL documentation of the methods Experian used to verify the accuracy of this fraudulent XXXX XXXX XXXX account, within 15 days, as they have failed on several occasions to do as requested. This unverified item remains on my credit report in violation of Federal Law. I am prepared to take legal action. Experian is required to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Experian must properly validate these things as the furnisher of my credit report. Experian has not provided me a copy of ANY original documentation required. Because of this, Experian ) is required to " promptly DELETE all information which can not be verified. '' Secondly, I want to know why Experian is actively reporting monthly on this fraudulent charged off account?? The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance. '' I demand that the XXXX XXXX XXXX  account be accurately verified or deleted immediately.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report from citizens pay off credit for {$2.00}. I didnt apply for this credit or line of credit. I have attached the police report and FTC email after I filed a fraud complaint with the government. 

Also I have inquiries that I didnt make XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 / XXXX XXXX  XXXX XXXX XXXX XXXX  - XX/XX/2023. XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX = XXXX XXXX
Product: Bank account or service

Paypal.com signed me up for a " PayPal Credit '' account without my authorization for a credit check or establishing a new credit account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the presence of certain items in my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number for this incident [ XXXX  ] As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information. 

I hereby request the immediate removal of the following accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were reported without my written consent and are a direct result of the identity theft incident, as indicated by my FTC reference number [ XXXX ].
Product: Mortgage

Once again, I supplied the additional items they requested in order to continue reviewing my loan mod application. I sent to the email address they provided. They did not acknowledge receipt and a few weeks later they sent me a letter stating they could not continue because of lack of information. Also, on XX/XX/2020, I received letter from PHH/XXXX, dated XX/XX/2020. The letter stated I had until XX/XX/2020 ( the same day I received it ) to not only send the documents I already requested, but also an application and financial form. I'm not getting anywhere with their loan modification department. Please help me get resolution. Thank you. Please refer to CFBP complaint # XXXX
Product: Credit card or prepaid card

This is in regards to my Toys R Us Charge. In on XX/XX/XXXX, with a XXXX balance on my card, I made a {$28.00} purchase, but did not receive a statement in the mail. I called on XX/XX/XXXXto inquire about my statements, I was told they were set to electronic and I asked to have that changed to paper. I paid the balance of the card, and returned it to XXXX. Because I keep a XXXX balance, I am not mentally aware of the payment cycle and require statements to remind me of payment amounts and due dates. In XX/XX/XXXX, I made a total of {$230.00} in purchases. In XXXX, I called because I still had n't received my statement. I was told it was mailed on XX/XX/XXXX, to which I stated that it was a Federal Holiday and the USPS was closed. I was assured I would receive it. I made several more calls advising that I had not been receiving statements until XX/XX/XXXX, when I was told that the spelling of my City was not correct, and it was updated. I asked for copies of all the back statements. I sent a letter on XX/XX/XXXX requesting that the late charges be credited back to me and any interest paid on those charges be credited back as well, due to their error in sending my statements to the wrong mailing address. I received the back statements in the mail, as well as subsequent statements but no response to my written request, it has been more than 60 days. I have again brought the account to a XXXX balance. I paid a total of {$350.00} for {$230.00} in purchases. The fees and interest totaled {$120.00}, over 52 % of the total cost of the items. The resolution I am hoping to achieve is a refund of the late charges and interest paid on those late charges. The issue receiving my statements has been addressed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, othe
r than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding unauthorized credit inquiries on my credit report by the following companies : XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX I did not authorize these inquiries nor provide written consent. In accordance with the Fair Credit Reporting Act ( FCRA ), I requested documentation from these companies to furnish proof of my consent. They were unable to provide the necessary documentation.
Product: Debt collection

My name is XXXX XXXX I am quite upset with the way Nissan Finance runs their arrangements. I am XXXX XXXX my XXXX  has been struggling since XX/XX/XXXX I was picking up a little then once the stay at home order was issued my XXXX  went down the drain XX/XX/XXXX. my account is due for XXXX for {$460.00} I contact Nissan explain my situation and I get helped with 3 months ( XXXX, XXXX, and XXXX ) XXXX comes around I get told I no longer qualify for assistance so I borrow money and cover a full payment. XXXX comes around another shutdown of places take place unemployment has also failed me since I have not heard any news from them and im still on ID VERIFICATION since I applied for PUA which is for XXXX  XXXX  people ... it has been confirmed I spoke to a supervisor via chat XX/XX/XXXX she told me I dont qualify for anymore assistance until XX/XX/XXXX I said fine is there any other way to work around it she helps me out and says can you at least cover {$230.00} I said I will do everything in my power to do so as I do not want a late fee on my account. mind you my paymetn is due XX/XX/XXXX so Im still within my 10 day grace period ... I contact Nissan again XX/XX/XXXX I let them know I was only able to cover {$150.00} but would cover remaining balance of {$88.00} by the next day said ok and he said once that payment posted it will show like the next month is due and I can call in and inquire about payment due date change ... .so today XX/XX/XXXX still within my grace period i get 4 calls from Nissan Motor Acceptance so I contact them via chat to keep my trasncrips and they said that arrangement is not valid and they just provided wrong information, I said wow so you guys just get to make arrangements and later say its not valid and customer servcie rep all she could say is " I dont see this going anywhere so I will let you go '' and I said well now you just get to shake it off say the arrangements was incorrect meanwhile Im here stressing to keep a good credit record + avoid late fees. and I did a couple of car washesd in my neighborhood to obtain this {$230.00} just to get told this. I do have all trasncripts and calls from Nissan Motor Acceptance harrassing me. and this is not the first time I get into arrangements then they just say " well the previous rep gave you wrong information so now im giving you correct information ''
Product: Vehicle loan or lease

RE : XXXX XXXX XXXX -- -VIN : XXXX -- -Account : XXXX File # XXXX ALLY is willfully committing consumer fraud as the lessee exercised its right for early termination under Section 29 on XX/XX/XXXX ALLY Financials lease agreement specifically states that under Section 8 by Excessive Wear and Use. The lessee may be charged for excessive wear based on Ally Financial standards for normal use and for mileage in excess of 12000 miles per year, at the rate of {$.00} per mile. <P/>The penalty for excess mileage is only implemented for each year and where the lessee is penalized on a annual basis, when the vehicle exceeds 12,000 per year. The Annual penalty is charged at {$.00} for every mile driven of 12,000 each year. <P/>Example If the lessee during the annual period from XX/XX/XXXX to XX/XX/XXXX, drives 15,000 miles, is charged {$.00} for excessive of 3000 miles and penalized {$750.00}. The same applies for the following annual terms for annual period XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX to XX/XX/XXXX which is lease termination. <P/>Inasmuch the term of the lease is for 36 months and the maximum allowable miles is 36,000 miles. <P/>However, the lessee has the option for Early End in Section 29 of the lease agreement. Where in Paragraph C states definition of Early Excess Mileage and Wear Charge excessive milage charge is applicable to Section 8. This lease was terminated early has the vehicle was turned in to the dealership One month before the term of the agreement on XX/XX/XXXX. <P/>Lease term from XX/XX/XXXX and ending XX/XX/XXXX. <P/>ALLY Financial committed consumer fraud as they did not comply with Section 8 and Section 29 of the terms of the lease, they must comply with the lease agreement under early termination and bill me under Section 8 as the lease did not come under full term.
Product: Debt collection

The debt is not been collected by collection assigned by Macy 's because they do n't have no record of {$280.00} and {$540.00} as collection stated to Federal CFPB.
Why is Macy 's still trying to collect a debt that is not owed?
I have requested a proof of my application and evidence that credit card belongs to me but Macy 's Executive XXXX XXXX have n't supplied evidence with my official written signatures.
Not even evidence to CFPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Student loan

On XXXX XXXX, I had a 42 minute conversation with XXXX XXXX about discrepancies I found with Loan Nos. XXXX and XXXX : ( 1 ) after making online payments to XXXX loans on the same date at the same time, the payments for XXXX and XXXX were not being posted on the date that the payment was made while the payment for XXXX was being posted on the date the online payment was made ; and ( 2 ) the interest rate was fluctuating on XXXX and XXXX but not on XXXX which was the same type of variable-rate loan with the same terms. The next day, I sent XXXX XXXX a detailed email regarding these discrepancies asking for his help. On XXXX XXXX, XXXX XXXX called to let me know XXXX XXXX had forwarded my email to him and he would help resolve my concerns. We spoke for XXXX minutes, and XXXX XXXX promised he would get back to me within the week with some answers. By XXXX XXXX, I had not heard back from XXXX XXXX, so I called him and left him a voice mail asking him to call me back. I have yet to hear from XXXX XXXX. In addition, I asked XXXX XXXX how I would know if the interest rate changed, in other words, what kind of notice would I receive. He told me I would have to check my statement each month ; no notice would be sent. I asked XXXX XXXX the same question, and he told me Navient would send a notice to me to let me know. I am not sure who is correct, but I never received any notice letting me know my interest rate was going to change.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payment for XX/XX/XXXX was made on time, as demonstrated by my bank statements and payment confirmations, which clearly indicate that the payment was processed well before the due date. This payment should not have been marked as late. 
Clerical Error at Creditor 's End : There was a clerical mistake by XXXX, where they incorrectly applied my payment to the wrong account, leading to the appearance of a late payment. I immediately contacted the lender once I discovered the error, and they acknowledged the mistake. I have attached correspondence from XXXX 's customer service confirming that this was a mistake on their end. 
Technical Issues on the Payment Processing Portal : I encountered issues with XXXX online payment portal, which delayed the posting of my payment. Despite my efforts to make the payment on time, the technical issue led to the payment being recorded late. I have attached support tickets and communication with the banks technical support team showing the payment portals malfunction during the relevant period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

US Bank has ruined every chance I had to get a checking account with certain places. The debt their saying I owe their not giving me any information in regards to paying it off and reported it to XXXX which was an incorrect move as I did not owe them. Their trying to collect on very old debt as well because I do not owe them anything since they refuse to give me any information about how to pay it or to remove their false report on XXXX.
Product: Prepaid card

I received an American Express prepaid gift card in the amount of {$50.00} in an unopened and fully sealed package about 2 weeks ago. Today, I opened the package and tried to use the gift card for a purchase only to find that the card contained no balance. I called American Express to tell them about the fraudulent activity and they refused to do anything about it. They said the funds were used and card swiped at the time of the fraudulent purchases. I advised them I had possession of the gift card in its sealed package the whole time, but they still refused to address the problem. They said they treat the cards like cash, but if it were cash, I would have it in hand since it was in my possession the entire time. This is unacceptable for American Express to sell gift cards which are prone to fraud and leave the consumer who had possession of the card the whole time with no alternatives to get their money. On the packaging they even state " Funds replaced if lost or stolen ''. In this case, the funds were stolen and they refused to replace the funds.