23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XXXX XXXX, XXXX I had setup my 3rd payment to be taken out from my debit card linked to my checking account. Because of previous success payments using the same debit card I thought there would not be a problem. On Saturday, I received a call from Navient in regards to my payment and there was a problem. I tried returning the call on the same day but all I got was a audiomated system and not a live person. After numerous tries I tried calling Sunday XXXX XXXX, XXXX, but the answering system stated they were closed on Sunday. So first thing Monday- XXXX XXXX, XXXX I called from XXXX-until XXXX. I was transferred numerous times and given all sorts of numbers to call regarding my account. The service rep from Navient even transferred me to the default department. I spoke with a lady named XXXX. She advised me that she does not see any record of my account but it is showing a status of default. I asked her could I speak to someone regarding the issue of my payment not going through and why am I in default now. She explained she does not have my record but I am set up for reocurring payments going forward. Now I am totally confused and lost. So, I called back to speak with another rep.  This time the rep explained to me theres nothing she can do because I am not coming up in the system and she provided me another number to call. I then called that number and again was provided with no help and still I dont no whats going on with the payment that was suppose to be processed. This is very upsetting because no one wants to go into default on a private loan. 
When I first set up these payment arrangements I was tolded to make 3 payments on time and my account would be brought up to date. Now theres a problem processing my card, so Navient puts me in a default status. 
my previous payments are as followed : XXXX {$220.00} XXXX {$220.00} XXXX {$230.00} XXXX {$230.00} I have been making my payments and if I could not keep that payment arrangement I would call to move the date. This has happen to me once before and the reversed the default and I was put back into a reocurring payment status. Now I can even talk to anyone or get account information about what happen to the payment on XXXX/XXXX/XXXX. 
I have had this loan since XXXX/XXXX/XXXX It 's crazy how each Navient rep tells you something diffrent regarding your account ever time you call. All I want to do is resecure my payment from XXXX/XXXX/XXXX and move forward with reocurring payments. please help
Product: Checking or savings account

On XX/XX/year> I called Bank of America to request that a {$24.00} check written from my checking account be canceled due to it being lost in the mail. The representative proceeds to cancel the check and at the end of the cancellation states that the fee for canceling a check is {$30.00}. I was not informed prior to the cancellation that the fee would be more than the actual check itself. Bank of America is knowingly not disclosing fees to customers before charging these fees.
Product: Credit reporting or other personal consumer reports

" Last year, I noticed several accounts on my credit report that simply didn't belong to me. I've gone above and beyond, reaching out to each creditor tied to these suspicious accounts, trying to clear up the confusion between their records and mine. I've also sent numerous letters to XXXX, Trans Union, and XXXX, all via certified mail, asking them to correct these errors. But despite the law giving them 30 to 45 days to fix things, they've dropped the ball. It's like they're not even playing by the rules set out in the Fair Credit Reporting Act ( FCRA ). 

Because of their negligence, I'm stuck in a rut. I can't get a loan, buy a house, or even finance a car. It's frustrating to feel like a second-class citizen just because some bureaus can't get their act together. So, I'm left with no choice but to take legal action against each of them. Their failure to follow the law and give me the help I need has put me in a tough spot, and it's time they're held accountable for it. '' Their failure to adhere to the requirements of the FCRA is gross negligence. This treatment has been a horrible experience for me. Pursuant to my rights under the FCRA, I will be filling a lawsuit within this week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had initiated a Fraud Alert last month that was shared to the other credit bureaus. A few days ago I got an alert that the Fraud Alert was removed from my Transunion Credit account. 

That same alert also indicated that " personal statement is no longer listed '' I was waiting for that to happen, knowing why it would be removed and that it would be against FCRA to do so. But also knowing who is behind this and their aggressiveness in altering our credit reports, neither of the two removed alerts/statements came as a surprise. Just puzzled as to why Transunion continues to allow a certain credit provider access to change things in our credit report, and especially accounts that are closed and they should not have access to. But that's another complain that's being ignored.
Product: Debt collection

I was contacted by letter from Contract Callers, a debt collection agency, regarding a balance I owed to XXXX gas. The balance due was {$400.00} The letter was a settlement offer. They offered me to pay {$200.00} and my debt would be considered settled in full. I spoke to XXXX XXXX and was assured if I paid the {$200.00}, I would owe nothing else on this bill. A month after paying I received a collection letter from another agency for the remaining {$200.00}. XXXX XXXX told me my account was still open for the {$200.00} balance. I called Contract Callers and was told that my debt was only settled with them, not with XXXX XXXX - that all that happened by me paying the {$200.00} was that I was no longer in collection. My account had not been settled with XXXX XXXX and I still owed that money. They would not send me a copy of the letter I received stating that my account would be settled in full so I could have proof of the exact wording that was used. And I was told that it should have been explained better to me and that the woman I spoke to when I paid should not have told me my I would owe nothing else on this bill.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$5000.00} on or about XX/XX/XXXX and have paid out over {$19000.00} since then and still owe {$7500.00} as of XX/XX/XXXX. They responded and said that I refinanced my loan on several different occasions and added debt but I never signed any forms for such refinancing and did not get additional funds. I feel this is fraud and well above usury laws for SC and do not know what to do next. The company refuses to reduce the debt or negotiate a settlement. 

They also do not allow me to make payments to reduce my debt/interest except on the XXXX payment day a month which should not be allowed since this is a simple interest loan and I should be able to make payments at any time.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Erroneous Accounts and Request for Deletion To Whom It May Concern, I am writing to formally dispute the presence of the following accounts on my TransUnion credit report, as they have been verified as inaccurate and subsequently removed from my XXXX credit report. The accounts in question are as follows : ( SEE THE ATTACHMENTS ) I have attached documentation from XXXX confirming the deletion of these accounts, as well as any supporting evidence demonstrating their inaccuracies. Despite this, these accounts remain on my TransUnion credit report, which is unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

As you are undoubtedly aware, the FCRA requires credit reporting agencies to maintain accurate and up-to-date information. Retaining these accounts on my report after their proven inaccuracy undermines the integrity of your services and has caused undue harm to my creditworthiness. 

I demand that TransUnion immediately investigate and remove these accounts from my credit file to ensure consistency and accuracy across all credit reporting agencies. Failure to act promptly will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to protect my rights. 

Please provide written confirmation of the deletion of these accounts within ( 4 ) days of receipt of this letter, as mandated by federal law.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely,
Product: Checking or savings account

on or about XX/XX/XXXX I made a purchase for a {$20.00} shirt at the XXXX, ct day street festival. The vendor used his cube for my purchase which should have charged my checking account {$21.00} with Ct. sales tax included. The next day I checked my banking record and saw that the charge to my account by the merchant was put in as $ XXXX.xx and some change. I imediately filed a complaint with People 's United Bank for an adjustment which the paperwork was submitted on XX/XX/XXXX.  Documentation for all this can be found in my first complaint # XXXX. Peoples response to my claim is that they are still trying to reach the merchant and that they were giving the merchant another 45 days to respond? The bank has had significantly more than 45 days to resolve this issue and charge back the merchants bank/ cube company and return my overcharged funds. It has been 129 days since my adjustment was filed and even longer since the original purchase. Can someone please help me to recover my funds
Product: Debt collection

capitol one or XXXX XXXX wrongfully sued me for another companies debt. XXXX XXXX a former busineess checks used to bounce and i 'm just a employee. accountant did not deposit money into accounts for checks to clear. if a job or business is responsible for paying the employees.employees should not be held responsible for bounced checks or fees. owners should be sued and accountants. XXXX XXXX XXXX XXXX XXXX XXXX embezzled money did not deposit accounts and opened up businesses illegally. XXXX XXXX embezzled over a million dollars from XXXX XXXX Alone. I had no idea about this debt and is a business debt not a consumer.
Product: Money transfer, virtual currency, or money service

I Tried to send payment to XXXX XXXX XXXX XXXX XXXX XXXX It needed to be there today. I was advised it usually takes about 15 minutes to a half hour but it should be there today. A check with the Bank around XXXX indicated they did not have it. WU agent informed me money was there avaibale but the bank did not reach out and collect it. Call them She also said it could take up to 24 to 48 hours which was unacceptable! I called the bank. At XXXX Bank called and still no money! I recalled WU who informed me Money was returned. Who authorized a return DUH! Asked for Manager got the same response from a Supervisor- unacceptable- I demanded a Manger and God one named XXXX who said that was MISINFORMATION! He said he it take 3 to 5 days totally unacceptable- After a rather direct talk he stated he would expedite it and reach out to their third party processor via email! He assured me they will try to process ASAP! Note IF THEY WOULD HAVE RETURNED IT AT XXXX XXXX  THAT LEFT TIME TO GO SOMEWHERE ELSE- NO THEY SAID IT WAS WAITING ON MY BANK! They have created a serious financial issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in  pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX  and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX, 3. XXXX XXXX XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- Unauthorized Inquiry 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, other 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I believe, I had opened an savings account with XXXX credit. Where I had to make monthly payments to XXXX  and they will put it in a saving account and report it to the credit bureaus. I made every single payment on time with my saving account and it was also on a 12 month term. I recently was trying to get approved for a home loan and I discovered/ was informed that i had a recent delinquency on my report on a credit card and I didnt recognize nor know what the lender was tellingXXXX describing to me. They then told me it was a XXXX XXXX credit card and I told them I had a XXXX  saving account but no card. Was denied the home loan. I then reached to XXXX  and the number that was connected to the account on my credit report was connected to a prior employee at XXXX that hasnt worked there in XXXX  years I called the number and he was telling me that. I then XXXX XXXX phone number and how to get in touch with them because I no longer had the app on phone so I had to look for their contact information. And while I was doing that I decided to redownload the app because I couldnt trust XXXX phone number for this business. Ive let XXXX know the issue in the apps chat and also called multiple time and informed them multiple times about this matter and was constantly telling them I do not recognize this card and I didnt authorize it I dont even physically have a XXXX  card. I recently just received a XXXX $ Check from XXXX and I dont even know where that money comes from? Im super confused and they still havent removed this fraud off my credit report. And now I have a delinquent account on my credit report it is hurting me tremendously and I will like for it to be removed fixed and repaired.
Product: Student loan

I had previously submitted this claim number XXXX and have no idea why it was closed. Is it possible to resubmit this claim to see if I have any options? I have added an addendum at the end to this original claim. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX When it appeared that loan payments were going to resume, I started to make payments in an attempt to minimize the amount of interest charges on my loans. As soon as I started to make payments, Mohela kept my {$1000.00} payment on XX/XX/XXXX and then another {$280.00} from a payment on XX/XX/XXXX. I called the company several times to ask about this. On XX/XX/XXXX, I was on hold for XXXX hr XXXX min and had to hang up. Then on XX/XX/XXXX, i got to talk briefly to someone on a call that reads as XXXX XXXX min. on my call log. The lady was very curt with me, saying that the charges were probably from before the pandemic. I told her that my payments at the time were up to date so that shouldn't be the reason. I also told her that the loans were not supposed to be accruing interest, but she doubled down and said that I was probably behind on my payments and all but hung up on me. I also tried calling the number on StudentAid.com but they said I needed to talk to my loan servicer. When I said that Mohela wasn't answering my questions and was very difficult to get through to, they said they couldn't help me. I'd like someone to answer why so much was taken away on finance charges when no interest should've been accruing. Thank you. 

Addendum : I reached out to Mohela again in XXXX regarding this issue. I received a response from them on XXXX that a request had been submitted to have my payments in the amounts of {$1000.00} and of {$280.00} applied only to the principal balance on my account. I needed to allow up to 2-3 business days for processing. On XXXX I contacted them again to check on the status of the correction since it had not been applied. I got a response from Mohela telling me that my account is at 0 % interest. I asked again about applying the full payments to the principal amount and got a response from Mohela on XXXX that payments are first applied to accrued interest. I'm just unable to get a straight response from them. I would appreciate any help on this matter... or at least confirmation that this interest that they charged me is legitimate. 

Thank you again.
Product: Credit card

Chase credit card statements mislead consumers into believing amounts labeled under " Interest Savings Balance '' will not incur interest since they represent ongoing balances from interest free promotions. However, when the interest free periods expire the expired amount is not removed from Interest Savings Balances on statements thereby luring consumers into not paying those amounts before Chase charges >29 % interest. Though the interest charge I disputed was {$100.00}, I believe Chase knowingly misled me and many others into paying interest I would not have paid had I not been mislead. 

I phoned Chase customer service on XX/XX/2023 at approximately 3pm and spoke with a supervisor who acknowledged it would be reasonable for customers to assume amounts noted on statement headings under " XXXXnterest Savings Balance '' would not incur interest. However she told me that if I read to the end of the statement there was a section that notified me of amounts I would be charged interest on. Since I relied upon the amounts shown under the interest Savings Balance at the top of the statement I saw no need to read through the entire 4-page statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

These two closed fraudulent accounts XXXX XXXX # XXXX & XXXX XXXX XXXX   XXXX # XXXX keep reporting on my Equifax credit report, which i have disputed Eight times already with Equifax, i keep requesting that they remove these fraudulent accounts from my credit report. I sent all Three Credit Bureaus a Police Report back on XX/XX/2019. Concerning these two Fraudulent accounts, I also requested That XXXX XXXX & XXXX XXXX XXXX XXXX provide Me/Equifax Proof of the original contractual agreement and proper Documentation proving ownership concerning these Fraudulent Accounts in my name, which i have not received any information or proof of Documentation concerning these Fraudulent accounts thats reporting on my Equifax credit report ... i have taken so many steps with Equifax to resolve this and to have them Deleted from reporting on my Crdit Report and they have not Removed them yet ... XXXX   and XXXX have deleted these same accounts from reporting on my credit report, I am writing and submitting this complaint for these Fraudulent Accounts to be removed from my Equifax Credit Report Asap. Thank You!