23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Congress finds there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the authorized representative and original creditor on behalf of : XXXX XXXX XXXX Upon review of my credit report, I have noticed discrepancies in the information reported by Experian, XXXX and XXXX. It appears that there are inaccuracies regarding the debts owed and listed on the consumer report. As the original creditor, I request a thorough and FULL investigation into these discrepancies and a FULL disclosure of the consumer files you have on record. In accordance to FCRA the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. ALL listed accounts are an invasion of privacy and extortion of credit. XXXX is not in compliance with FCRA and are reporting inaccurate, unfairly and impartial information causing the consumer harm in extending credit and defamation of financial character. XXXX, Date of Account XX/XX/scrub>XXXX/2017, XXXX, I would like to receive the PROMISSORY NOTE connected to my line of credit in demand for accord and full satisfaction of the principal loan amount. Securitization of the assets was not disclosed to the consumer which would have essentially affected the consumers conscious decision making on the goods or services from XXXX. This would constitute Non Full Disclosure and unfair or deceptive acts or practices and a host of other violations listed below : FCRA SEC. 5 : unfair deceptive acts or practices 12 CFR 1026.13 15 U.S. Code Credit Billing : 1666. Correction of billing errors 1666a. Regulation of credit reports 1666b. Timing of Payments 1666c. Prompt and fair crediting of payments 1666d. Treatment of credit balances 1666e. Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor 1666.f Inducements of cardholders by sellers of cash discounts for payments by cash, check or similar means ; finance charge for sales transactions involving cash 1666g. Tie-in services prohibited for issuance of credit card 1666h. Offset of cardholders indebtness by issuer of credit card with funds deposited with issuer by cardholder ; remedies of creditors under State law not affected 1666i. Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses 1666i-1. limits on interest rate, fee, and finance charge increases applicable to outstanding balances
Product: Consumer Loan

I am still waiting on a response from Case number : XXXX in XXXX 2016. Santander uses the excuse that the loan was modified. However, Santander has failed to provide any updated documentation that the loan was modified and due date extended. Nor has the loan maturity date on my monthly statements updated to reflect what Santander is " communicating ''.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I notice I had fraudulets accouts in my report.Please remove these accourts fron my report they are hurting my abiltity to obtaing credit. XXXX XXXX
Product: Prepaid card

Loaded XXXX dollars in NetSpend prepaid at XXXX XXXXXXXX can not activate nire will they help me activate have called them numerous times same XXXX XXXXXXXX storey
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent over a letter requesting inaccurate information to be deleted along with proof : XXXX XXXX  BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo has stolen/lost {$XXXX} of mine I opened a wells Fargo acct to switch my prepaid bank account with XXXX to a real bank well I made my initial deposit for {$500.00} and after receiving notification that my account was open I proceeded to create my username an password after successfully logging on to online banking I made a direct debit online for my prepaid card XXXX XXXX TO transfer {$1000.00} towels Fargo well after a few days went by I logged on to check the status and found out I was unable to log into my newly opened account so after calling I was informed by wells Fargo that my account was in closing and that the {$500.00} opening deposit was received but the {$1000.00} direct debit was cancelled.So with the missing money not appering directly back to XXXX XXXX I filed a complaint with wells Fargo # XXXX.And so for about a month now I have been bounced back and forth from XXXX to wells Fargo.Wells Fargo responded to my complaint two weeks saying the transaction was found and initiated correctly.when I called they informed me it's not the I should call but XXXX. Because they had sent the direct debit back because the account was closing and they have no way to give me any proof of this I have attempted several times to resolve this matter I even attempted a three way call with the manager at XXXX with wells Fargo to locate my funds and was unsuccessful after being transferred to three different departments we were disconnected .I 'm fed up tired of this XXXX and after I submit this on to CF I will have no choice but to write a letter to our governor maybe someone their can help.what else am I to do I have submitted complaints with both company 's XXXX says nothing has came back wells Fargo located the XXXX  transaction and investigated it and says their is no fault on their end that everything was initiated correctly but they have no trace number for the cancelled transaction XXXXhowecer does have the transaction numbers of the money being sent actually the XXXX initial deposit and the XXXX debit were actually sent to wells Fargo the same day only 1 minute apart so I am lost here not knowing what to do with investigations and complaints and disputes with both parties that claim they don't know where my money is and I should dispute it with the other company I'm left to publish yet another complaint this time with wells Fargo for improperly handling my money and unable to give me any trace number of the return direct debit uploaded is my proof of wells Fargo improperly handling my money please see your my funds are returned back to my prepaid card after now waiting one month for my lost money to turn up
Product: Credit card or prepaid card

Submitted a payment on time by the XX/XX/XXXXof the month via the Macys app as agreed for the Pay Down Plan due to financial hardship. My bank took out an unexpected monthly fee so the payment was returned. When I called in to resubmit the payment, I was told that the account was no longer with Citi Bank and I could not make a payment because it was transferred to a collection agency. Then I received a letter in the mail to resubmit the payment. When I called in again to resubmit the payment, I was told the same information. I finally called in again and was told that the account was still with Citi Bank and the representatives that I spoke with before provided incorrect information. They could see where the letter was sent to me. I asked since I was provided incorrect information during my attempts to resubmit the payment, if I could be placed back on the plan and make payments accordingly. The representatives and supervisors are now ignoring that information and said I can make payments but it will eventually go to a collection agency. I was told that they cant provide confirmation of my payments and they will not change the status on my credit report from sent to another collection agency even though it is still at their office and they are refusing my payments.
Product: Student loan

My loans were in deferment while I am in graduate school. I called Navient on XX/XX/XXXX to request the accumulated interest amount as I like to pay the interest while in deferment. I set up a payment of {$790.00}. for the accumulated interest to be made on XX/XX/XXXX so that I could deduct the interest on my income taxes for XX/XX/XXXX. I also requested to end my deferment and enter repayment in XX/XX/XXXX. Previously, my deferment was until XX/XX/XXXX. I wanted to start paying off my loan early so that it would be paid in full by the time I plan to retire in 10 years. 

When I reviewed my payment history in XX/XX/XXXX, the XX/XX/XXXX payment credited {$730.00} to principal and and only {$52.00} to interest instead of the full payment going to interest as I was told would be done. I called in late XX/XX/XXXX or early XX/XX/XXXX and was told that the error would be corrected in 2-3 weeks. It was not corrected. 

I called on XX/XX/XXXX and was told that the interest capitalized on XX/XX/XXXX because I canceled the deferment while Navient is saying the school has me no longer enrolled, which is not correct because I am enrolled in XXXX units. All I am asking is that the XX/XX/XXXX payment of {$790.00}. be credited toward interest. I am now being told that this is not possible when two previous Navient service reps told me it would be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX- I was 5 days late on my credit card payment to XXXX XXXX XX/XX/XXXX - XXXX XXXX offers me a settlement for 60 % of amount owed on credit card XXXX - XXXX I call about terms of XXXX XXXX Explains is I take agreement they will take the payments out of 12 months and tat the end of the 12 months the account would be a closed and it would be reported as settled for less than amount owed I agreed. 

I gave them my bank information I called back in the middle of XXXX of XXXX to see if they would be reporting payments to credit. They said they would not be making any reporting to credit that the account was just agreed to be settled for less than full amount. 

I paid through my bank automatic withdrawal for 12 months. 
Than at the end of the 12 months XXXX marked me 30 days let for XXXX of XXXX the first month of the payment plan and XX/XX/XXXX. The last month of the payment plan. 
Again I was not late either of these months. 
I called they said they would fix it and they have since marked me late each month since and I do not owe them any money. 
They have not stated the account is charged off. I never was never late and I was never in collections. All my conversations were on re corded lines and payments were directly taken out of my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mother, and I have trying to purchase a home for my children. I have directly spoke with these creditors with certified letters in regards to these in accuracies on my reports. According to 15 USC 1681 ( a ) the following are directly in violation of my rights XXXX XXXX XXXX XXXXXXXX ( Both accounts ) Tebo FINANCIAL - XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presumit that no proof of the alleges debt, nor therefore any such debt, in fact therefo exists.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report I sent a letter to Equifax notifying them of the reinsertion of XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Student loan

I am a class member of the Sweet v. Cardona Borrower Defense to Repayment lawsuit. I was notified via email by the U.S. Department of Education on XX/XX/XXXX that I was granted a discharge of all federal student loans used to attend a for-profit school. I learned in XXXX of XXXX that Navient, holder of my private loans, offered a possible relief program if a borrower attended a school where misconduct was committed or a lawsuit was brought against the school. I owe about {$7000.00} on XXXX private loans and submitted the XXXX XXXX XXXX application, following all of Navient 's instructions. I also submitted all the documents I had to support my claims and complete all sections of the application. I received an email notification on XX/XX/XXXX that my application had been received and was under review. On XX/XX/XXXX, I received XXXX emails from Navient and each one stated that the " XXXX XXXX XXXX application is denied ''. I contacted Navient by email and asked for an explanation as to why my application was denied and how soon I could reapply. I was told I could submit other supporting documents, but I already submitted all that I had, including the letter from the XXXX Department of Education stating that my federal loans had been XXXX. That letter included the name of the school I attended, which matches the name of the school on all three loans held by Navient. I received a letter from Navient dated XX/XX/XXXX that was vague and did not give a reason why my discharge application was denied.
Product: Credit card

I have issues with someone else using my check that my bank sent it out every month which I never ever asked for that. I dont see that check is coming for me. And end up somebody else using that check at XXXX XXXX and I asked the bank for that check and I see it I know that wasnt me. I sent how my signature. What should I do next to prove that not me use it. I not recognize that check and I never ask for them to send it. 
Please help XXXX XXXX
Product: Checking or savings account

The Truist takeover of SunTrust Bank has been a nightmare! I still can't access one of my accounts and when I call I have to stay on hold for an hour.

I have done this twice and after finaly getting a person, they say they have to transfer me to someone who can help and then they send me to the wrong extension and I have to strt all over again. I have not been able to access one of my business accounts for a month now! It continues to say that I am logged out when I try to log on.

Just tried to call again this morning and the recording says the wait time is over 60 minutes! What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I setup an online account with BMW Financial and also setup an auto pay account. I was assured the payments were setup for this auto pay but received a call a few days ago stating my account was past due. I made a payment of {$1300.00} ( 2 months payments of {$690.00} ) immediately and also reconfirmed the autopay was in fact activated for future payment to avoid this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account open on XXXX for {$740.00} XXXX XXXX Account opened on XX/XX/2022 amount XXXX Action taking by me I dispute these fraudulent accounts with both XXXX, and TransUnion consumers reporting agency. I am a victim of XXXX and TransUnion data breach. I am promised accuracy on my consumer credit report by federal law. I disputed these accounts listed above with them both over the phone and online. Now Im reporting it to the cfpb as another attempt to have these errors corrected on my consumer reports under 15 USC 1681. All verified information must be promptly removed as you can see in your system you can not verify these accounts so Im requesting you remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX XXXX Bank 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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX XXXX XX/XX/year> Credence Resource Manage XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Re : Request for Debt Validation Account Number : XXXX Dear Credence Resource Manage, I am writing to request validation of the debt you are attempting to collect from me. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with written verification of the following information : The amount of the debt. 
The name of the original creditor. 
A copy of the agreement or contract that shows I am legally obligated to pay the debt. 
Any supporting documentation ( such as statements or records ) that prove I owe this debt. 
Proof that you are authorized to collect on this debt, if you are a third-party debt collector. 
The date the debt was incurred and the original balance. 
Please provide this information within 30 days of receiving this letter. If you can not provide validation of the debt or fail to respond within the required time frame, you are not permitted to continue collection efforts. 

Additionally, please be aware that until this debt is validated, you may not report any information regarding this debt to credit reporting agencies. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report today ( XX/XX/2024 ) and identified an error on my credit report for XXXX Account # : XXXX Unfortunately, I have submitted multiple disputes, contacted the servicer and called EXPERIAN but my report still has not been updated. 

According to 15 USC 1681EB you are required to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete this account immediately for violating 15 USC 1681EB. Thank you.
Product: Credit card

An electronic payment was made to the credit card company on XX/XX/XXXX, which is the day I received the bill in the mail for a payment due XX/XX/XXXX. I have a screenshot of the payment made through XXXX XXXX for the entire balance of {$71.00} on XX/XX/XXXX. On XX/XX/XXXX I received a statement with a {$29.00} late fee and {$2.00} interest charge. I called the credit card company and they refused to waive the late fee. 
When I tried to explain that I had a screenshot of the payment the representative named XXXX could care less.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

finally have XXXX concerns blocking my online dispute system XXXX still reporting illinois XXXX XXXX XXXX as a collection account and update address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ar XXXX
Product: Debt collection

I was set on a payment plan, I paid that and when I tried to pay after 6 mo the they started giving me a run around and started charging me fees and interest. They also call 6 times a day, everyday. I've spoke with them repeatedly and they continue calling and calling. I'm not even able to use the online portal to pay because they prompt me to call. When I call I get more run around.
Product: Checking or savings account

XX/XX/2019 - An account fraudulently opened by someone who used my identity with Bank of the West. 
XXXX - XXXX - Several communications between me and the bank of the west branch as well as customer support center to clarify that I did not open an account. 
- Bank of the West team telling me they are unable to close this account. 
- Now I am getting repeated notification from the back indicating they are deducting charges for maintenance and paper statement of the account from the balance that was fraudulently used to create the account.
Product: Student loan

Hello, I am a recent graduate who started the XXXX fellowship beginning XX/XX/2018. I was trying to defer my loans as most of my colleagues did as we don't get paid full salary. I called Navient several times to make sure I could qualify for deferral. The issue is that in their application form they require to have a XXXX XXXX degree to defer the loans. I graduated with XXXX degree, XXXX XXXX degree and my XXXX degree. XXXX XXXX was the one I was able to skip using my XXXX XXXX as a prerequisite and get my other degrees. When I called the first time, they told me there was no issues as my degrees considered to be higher than XXXX XXXX. I filled out the form through my fellowship program but was denied saying that my program begin date was more than 30 days in the future and I needed to resubmit my request within 30 days of the program start date. That didn't make sense as I was several weeks into the program. When I call back, I had another conversation with a different person who said that was a mistake in the system, but I still didn't qualify because my fellowship was different from other fellowships. If that would be a fellowship or residency in the hospital, that would be ok. I don't see what is the difference because we all make post-doc salary no matter where we work. They told me I should try income-based payments. I called the third person a little later. They were ignorant and told me that I wouldn't be able to get XXXX XXXX degree without my XXXX XXXX. I am completely lost. Everyone is providing different information. I eventually requested the income-based repayment and of course it was approved with much higher payment that I could comfortably afford. I just want to find out if there's a person who can tell me for sure who is right and what I am eligible for in that company. Thank you in advance for your help!
Product: Credit reporting or other personal consumer reports

These late payments are inconsistent with my usual payment pattern.