23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX of XXXX I took out a XXXX loan as a parent for my son at XXXX University XXXX, Ohio He graduated in XXXX and payments began In XXXX, Navient suddenly and without warning took over this loan I went from being eligible for XXXX, XXXX Teacher Forgiveness Loan, and YES I qualified in every single way from my teaching experience and school district requirements needed to get this help But no, Navient says we are now PERSONAL loan, not Federal Sorry, you are not eligible! 
1. First off, when this happened in XXXX, I put in writing they just " took over '' this XXXX loan without any input from loan recipients like myself. There are SEVERAL states suing Navient for THIS very reason!! 
underhanded, sneaky and not forthcoming at all. 
Ohio has not joined yet but soon I heard Meantime I want a lawyer to sue these thieves They said THE only way I could lower my payments in XXXX when my husband XXXX was to refi the loan with THEM!!!! 
So strapped for cash because my husband 's XXXX meant I lost XXXX a month in money, I signed on. They KNEW they had me trapped ... : ( : ( I would like CFPB to give me a lawyer referral in Ohio so I can start my own class action suit I will sue for the XXXX I know I am qualified for in Teacher Forgiveness AND sue for 6 years of interest and the extension on my loan till I am XXXX XXXX XXXX ... ... XXXX!
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX REF : XXXX Date:XX/XX/2016 To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following HARD credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were No firm Offers of Credit Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the credit report from XXXX  noticed Navient continues to furnish late payments in formats that are incorrect. The account is the same with different amounts. XXXX XXXX XXXXXXXX XXXX was involved with litigations for charging amounts against federal guidelines of student loans. With the number of inaccuracies, credit and creditworthiness are compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX account XXXX XXXX  which is an auto loan. Has all kinds of inconsistencies where it is showing that it was las reported with XXXX on XX/XX/2023 Experian on XX/XX/2023 and XXXX XX/XX/2023 I also could see that the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXviolated my rights. 

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

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}, XXXXT XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$9200.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXK XXXX XXXX  ) XXXX Balance : {$600.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1500.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I got a modification loan for my mortgage in XXXX 2015. I have been doing payments since then, but I have empty almost all my savings and I struggle every month since the modification the bank gave me has a payment amount higher than the original mortgage payment ; according to the bank that was the best they can offer me if I want to keep my house. This is a 40 years mortgage for {$280000.00} at 4,5 %. If I make all the payments, I been paying almost XXXX XXXX dollars in interest for this loan. Could you help me to find if the bank was right in their decision? Do I have another and better option?
Product: Credit card

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX To whom it XXXX concern, Account number : XXXX ( they didn't give me the account number on the statement ) Dispute amount : {$25.00} Specific Transaction : {$26.00} purchased on XX/XX/year>. XXXX perfume. XXXX order number # XXXX Reason : I made a purchase of a perfume that I wanted to try out for the first time on XX/XX/year>. The transaction total is {$26.00} because I used {$100.00} from my XXXX XXXX XXXX and {$25.00} off from the CREDIT CARD REWARDS. 
I was allergic to the perfume, so I had to return it. XXXX customer service told me to call the credit card company once my perfume is processed through the refund procedure. I reached out called 5 times, but they kept on transferring me and then hanging up on me. 

XXXX email, this is what they instructed me to do to file a dispute. I want my {$25.00} CREDIT CARD REWARDS back. The total transaction was {$140.00}, discount of - {$120.00} and tax of {$2.00} thats why I paid {$26.00} {$25.00} was from me saving up all my reward dollars from other transactions. 


I have reached out numerous times in the last 2 years. I stopped reaching out in the last 6 months because it was so exhausting trying to reach them. No one responded to me and now I checked my messages on the app but the messages are deleted. 

Sincerely, XXXX
Product: Credit card

A XXXX gift card purchased in XXXX XXXX which had never been unsealed until XXXX XXXX of XXXX was denied and we were told it had been removed from their records either because it had been used up by either purchases, fee or because it had expired ( none of which had occurred ) and that unless we could provide time and date of purchase of the card we were out of luck. The receipt is no longer available and was purchased with other items either at XXXX XXXX or XXXX. The card waS FOR {$200.00} so not something we can just say Oh well!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I entered into a contract with a company called Credit Mount to help repair my credit and increase my score. In the end what they did was damage my credit even more to the point of sending out fraudulent letter stating I am dispute the validity of all my accounts. This caused fraud alerts on everyone of my open accounts and also caused one account to be closed. 

I have emails from a rep from them stating that they would fix everything and even the manager who said that this never should of happened and that he would fix it as well and then continued to send out these fraudulent letters claiming I was disputing all my accounts. 

I contacted a legal service who stated that it is illegal for a company to obtain a fee for credit services in the state of New York, prior to the services being completed. I paid them a total of {$1200.00}. I have requested a refund and the legal service has as well and they have ignored all requests. 

I believe that, Credit Mount has violated 15 U.S. Code 1679b.  Prohibited practices, and I am looking for action to be taken against them. They have caused irreparable damage to my credit and I also want a FULL refund!! 

I have emails from a rep from them stating that they would fix everything and even the manager who said that this never should of happened and that he would fix it as well and then continued to send out these fraudulent letters claiming I was disputing all my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which XXXX, XXXX and Experian didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Debt collection

On XX/XX/2021, a balance of {$1100.00} appeared on my credit score after being acquired by Nationwide Recovery Systems in XXXX, TX. This balance is for treatment I received from XXXX XXXX XXXX XXXX years ago after an injury while on the job as a XXXX XXXX for the XXXX XXXX XXXX Kentucky at XXXX XXXX XXXX XXXX in XXXX, KY. 

My complaint is twofold. Firstly, I have attempted to contact XXXX XXXX XXXX at the email address XXXX, which is listed on the " Contact Us '' page of their website, for a debt verification letter. I sent this address a message asking for the debt verification letter on three separate occasions, once on XX/XX/2021, again on XX/XX/2021, and a final time on XX/XX/2021, and each time these messages were met without response. Failure to send me this letter would be in violation of the Fair Debt Collection Practices Act. 

Secondly, in the event that this debt is valid, it should still fall under Workers ' Compensation as I was working for the XXXX XXXX of Kentucky during my time of injury, and thus, not be my responsibility.
Product: Credit card

I am a XXXX XXXX credit card holder. XXXX XXXX ran a credit card promotional offer where you could select a spend and receive a certain amount of bonus miles based on that spend. I selected to spend {$20000.00} from XX/XX/XXXX to XX/XX/XXXX in order to receive XXXX bonus miles. The terms and conditions state that I will receive my bonus miles XXXX weeks after the promotion closes. XXXX weeks after the promotion closed was the last week of XXXX. 

I have reached out to XXXX, who told me I had to contact Chase. I contacted Chase, who told me I had to contact XXXX. I have reached out to XXXX via email, chat, and telephone. XXXX has verified I signed up for the promotion. Chase has verified I met the requisite spend. Chase is telling me that because XXXX ran the promotion, that they are responsible for providing the miles. XXXX is telling me that this is a known issue, that they hate these types of promotions because they never work as intended, and that they need Chase to verify the card spend ( which they have ). Now they are telling me they are escalating it and that it can take XXXX additional weeks to resolve. 

I would like the XXXX bonus miles that I have earned through registering for this promotion and for completing the requisite spend amount. 

I have attached the email confirmation from signing up as well as all of my written communication with XXXX. I have not had much luck escalating via chat ; the chat ends before they can connect me with a supervisor. I have had the same experience over the phone. I did not attach my credit card statements from the time period because they contain personal information, but I am happy to provide them upon request.
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 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an Purpose
Product: Student loan

I have been paying on this debt for over 7 years. I recently fell behind due to unemployment. They gave no relieve for months. Sent me an intimidating letter stating I was going into default and it would ruin me. I called them again, one of many times to explain my situation. They first offered me a payment of XXXX dollars of which nothing goes to the loan and would postpone the harassment for XXXX more month. When I explained my loan payment is normally less than that they recanted. Asked me a lot of intrusive questions about my living costs and then said we can just charge your normal month postpone the default and its even less than the XXXX. These people are predatory and untrustworthy. They should be put out of business. No other response is acceptable.
Product: Money transfer, virtual currency, or money service

I purchased a cashiers check on XX/XX/2022 and sent it as a payoff for my vehicle. The payoff company told me that they never received the check. I went to a chase branch to put a stop loss on my cashiers check because they never received it. When I spoke to the banker he informed me that there was another check that had the same number and was altered and payable to someone else. The same check that was altered also shows as returned, which means that chase has the funds in their XXXX XXXX  if they did not pay the check. The original cashiers check that I purchase has not been paid and still shows up in their system as issued. They told me that they were going to see if they could recover the funds and that the process would take 90 days. I asked them what funds they would recover if it was not my fault and the check was returned and they told me they could not give me back my money because they had to see if XXXX XXXX deposited the check. I was told my money was secured and I would not loose my money but they can not give it back to me even though it was not I who altered the check and the altered check was already returned, so chase has the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act cXXXX account # XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2.

It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX AND XXXX 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 XXXX 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: Checking or savings account

I banked with Bank of America years no problems at all years I lost my card didnt know till like one two days later when I try to login and cant login call they say there closing my account cause I tried to deposit checks the guy said I told him I lost my card that wasnt me its fraud I said where were these checked supposedly deposited he said he couldnt tell me Ill get a letter in the mail go a letter they closed the account received one letter saying account closed I thought they just closed it no they put me in the XXXX XXXX I would never write bad checks in my account never I have a business I cant even get proper business structure now cause of this
Product: Debt collection

CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Reporting to credit XX/XX/2017, Negative impact to my credit by credit collection services. I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts XX/XX/2017, no valid response recieved
Product: Checking or savings account

I had a Capital one checking account in 2023. {$XXXX} was taking off my card that was unauthorized by me. Capital One refunded the {XXXX} backXXXX month later they took it back leaving my account negative {XXXXXXXX}. My account was close due to the {XXXX} they took back from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two collection accounts below are not mines. I have contacted both companies as well as the attorney general for the state which both companies do business in. 

COLLECTIONS 1.XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$5500.00} 2. XXXX XXXX XXXX {$3900.00} Closed
Product: Mortgage

I hope this letter finds you well. I am writing to bring to your attention the recent resolution of a matter regarding my mortgage account with Carrington Mortgage. I believe that the circumstances warrant a request for the removal of late payment entries from my credit report. 

I want to express my gratitude for the opportunity to address a temporary financial setback that led to some late payments on my mortgage account with Carrington Mortgage. I am pleased to inform you that I have successfully brought my mortgage payments current, and all outstanding amounts have been settled. 

Given this successful resolution, I kindly request your assistance in facilitating the removal of the late payment notations that were reported to the credit bureaus during the period when I was catching up on my payments. I understand that these late payments may have had a negative impact on my credit history, and I am eager to restore the accuracy of my credit report to reflect my current financial status. 

I have been a responsible homeowner and borrower for [ number of years ] and have consistently met my financial obligations. The recent setback was an anomaly, and I am committed to maintaining a positive payment history going forward. 

I have attached documentation that supports my claim of having brought my mortgage account up to date. This includes evidence of recent payments made to Carrington Mortgage, as well as communication acknowledging the resolution of the past due amount. 

I am hopeful that the Consumer Financial Protection Bureau, with its dedication to ensuring fair treatment for consumers, will be able to assist in this matter. I understand the importance of accurate credit reporting, and I believe that the removal of these late payment notations would better reflect my current financial responsibility. 

Thank you for taking the time to consider my request. I would greatly appreciate any assistance or guidance you can provide to facilitate the removal of the late payment entries from my credit report. Please feel free to contact me at XXXX if you require any additional information or documentation. 

I look forward to a favorable resolution and appreciate your attention to this matter.
Product: Money transfer, virtual currency, or money service

Sent money for a pet, individual insisted I send more. Told them no and called USAA and XXXX. XXXX told me they wont take the scammers account down even after verifying it was a scammer, and USAA won't refund me anything. I lost a total of {$1000.00} dollars that I need to pay bills and feed my children.
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 an investigation into my account transactions which has led my account to being closed
Product: Credit reporting, credit repair services, or other personal consumer reports

i got a personal loan, with discover personal loans, i maid my payments every month on time, even befored the do date, im a person that likes to paid correctly, my debts to credit companies, and i dont see why, the credit card companies never report the correct information to, the 3 major credit bureaus, every month correctly, because, reporting to them that we have a balance, when we dont have a balance, now that damages our credit score, because credit bureaus, use this information to drop down our credit score, this means that our credit score never gets better, and unfortunatelly us consumers we need a good credit score to survive in this country, but, with the credit card companies reporting the wrong information to credit bureaus, it doesnt help, now when i contact them, they allways are full of excuses, or send the problem to the credit bureaus, that means a dispute that could been fix, with the credit card company to begin with, because a dispute with the 3 major credits bureaus, is dificult to get fix, takes longer and, they allways drop the case, saying that there is nothing that they can fix, or send us back to the credit card company, truly, there is no win the situation, and us consumers we take the hit, looking to our credit to drop bad, and thats my complain