23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hi, in XX/XX/XXXX I refinanced my Navient loan with XXXX. According to records/correspondence from XXXX and Navient as of XX/XX/XXXX the loan was refinanced and XXXX had possession. This is also reflected in report by Navient to credit reporting agencies. Per records of XXXX they began charging interest as of that day. Subsequently in XX/XX/XXXX I received a billing statement for XXXX advising of a payment during that time period/adjustment to my loan of approximately $ 67k. The billing statement provides details of these payments indicating they were made on XX/XX/XXXX and XXXX both after my loan was supposedly discharged by Navient. According to my account history there were no payments on either XX/XX/XXXX or XXXX but there are numerous payments/payment reversals on XX/XX/XXXX throughout. Further, there is a payment for approximately 182k on XX/XX/XXXX on the account. My loan total was approximately 115k and the XXXX is the difference. Navient is unable to provide the location of this additional XXXX payment per the records. After following with Navient up to the supervisor of their " consumer advocate department '' I was told they have no records of the payment and XXXX has no record of overpayment and so there is nothing they can do. However, and obviously contrary to their role as a lender and pursuant to the applicable law omission or failure to keep accurate records is not a response to a consumer missing XXXX. In fact the supervisor told me that there could not be a " reversal '' without a payment and then denied the payment but is unable to provide any proof. And in fact their own records document it over and over. Further, Navient 's own XXXX statement shows the loan was not only paid but had a negative balance of {$22.00} for which I received a check. I refuse to accept this and am asking for your help as they try to continue to cheat their customers due to their own incompetence. Their consumer advocacy department is nothing more then a bunch of navient advocates and serves no purpose or assistance.
Product: Debt collection

On or around XX/XX/2018 I received a phone call from an individual claiming to be a representative of XXXX XXXX XXXX XXXX claiming I owed them {$1000.00}. I stated that I hadnt received any written communication in reference to the alleged debt they claimed I owed and stated that I had no intention of communicating with them via telephone and to put everything in writing. I received a letter dated XX/XX/2018 stating I have a past due balance of {$1000.00} and the creditor is XXXX XXXX. Account # XXXX. 
Lets make something perfectly clear. I OWE XXXX XXXX XXXX XXXX NOTHING. Ive never heard of them or done business with them. They continue to harass me on a daily basis, calling for fake local exchanges to mask there identy. As I stated I politely asked them to cease and desist telephone communication with me but they have blatantly violated my request. I owe these parasites nothing. They havent provided me any documentation that suggests that they are a legitimate company and not some SCAMMERS out to rip off an unsuspecting person like myself.
Product: Checking or savings account

On XX/XX/XXXX I received a text message from WELLS FARGO that {$5000.00} had been authorized to be taken from my account to pay a XXXX XXXX account. The person had used my checking account and routing number and the funds were removed from my account. 
*This exact same thing happened in XX/XX/XXXX the week before XXXX, which caused extreme stress since I was unable to purchase gifts for my family At that time, {$5500.00} was taken by my account to pay for some XXXX XXXX card I have NEVER had a XXXX XXXX, and have never had a transaction for that amount in the 20 years that I have been with this bank. 
Today, when it happened a second time I called, and was told that they would investigate and it could take up to 10 days to get my money back. The rep XXXX provided a case number of XXXX. I explained that I am now unable to pay my bills, and have XXXX XXXX in my home that I am raising. I have to buy groceries to feed my family. He said they will put a stop payment against any future transactions relating to XXXX. I asked him why that was not done last time in XXXX when this same exact thing happened. He said it was. I asked if it was done, then how was my money taken AGAIN. He said it was done this time by a call pre authorizing the transaction. I told him that was exactly how it was done last time as well. 
I entrust this financial institution to protect my money They have allowed my account to be accessed and all of my money taken twice within a 30 day period. They need to be held accountable for this Thank you in advance XXXX XXXX
Product: Student loan

I finished school in 2012 at XXXX. My outstanding loans were XXXX. some how they reported me owing XXXX. Need resolved! Have made hundreds of calls. Never get a resolution and company is dropping the ball every time.
Product: Mortgage

My sister was murdered on XX/XX/2015. I called PNC mortgage to file a claim on her mortgage insurance. They denied me that right stating they ca n't release privacy information to protect her identity. Since she 's dead there is no identity to protect. I informed them it was illegal to deny me the right to file a claim in a nutshell they said they did n't care.
Product: Bank account or service

I was charged XXXX {$35.00} overdraft charges which I feel are not due to my error but rather the banks. My bank has a Bill Pay Service which I use for various debits XXXX of which was my monthly rent which I indicated to be paid XXXX/XXXX/2015 since my deposit would not go in until that date. The bank Bill Pay Check dated XXXX/XXXX/2015 was posted on XXXX/XXXX/2015 creating an overdraft since the account balance at that time was {$380.00}. The XXXX overdraft fee was charged due to an {$20.00} debit also on XXXX/XXXX/2015 at which time there was {$380.00} in the account, however, due to the bank 's accounting method it posted " after '' the {$950.00} debit. There were XXXX other debits posted on XXXX/XXXX/2015 but these posted prior to the {$950.00} debit. This policy seems to me to be selective and inconsistent. Enclosed is a copy of my bank statement and letter to XXXX of XXXX
Product: Vehicle loan or lease

I looked over my credit and noticed that account and accounts on my credit report were not mine and need to be removed
Product: Debt collection

In XXXX, I was taken by a XXXX XXXX XXXX to hospital. At this time I was insured under XXXX XXXX of California. I was admitted to hospital and the hospital costs were paid by XXXX XXXX. The ambulance company XXXX XXXX failed to collect payment from the insurance company as beginning in XXXX they have repeatedly sent this debt to collections in full knowledge that I am not liable for the debt. 

In XXXX XXXX, XXXX XXXX  were informed in a three-way call with XXXX XXXX that I am not liable for the debt because I was covered by my insurance ( see attached documentation ). I was given he reference number : XXXX by XXXX XXXX of California. XXXX XXXX confirmed that XXXX XXXX never submitted a claim for the ambulance ride, instead they have harassed me for payment for the past four years in full knowledge that I am not liable for the cost as I was insured. 

Despite the fact I am not liable for the debt XXXX XXXX first initially removed the debt from my credit report. Then in XX/XX/XXXX, XXXX XXXX has once again sent this debt to a collections agency called Wakefield & Associates, and this company has deliberately returned it to my credit report. In XX/XX/XXXX, I phoned up Wakefield & Associates to dispute the claim they claimed they would notify the credit referencing agencies of the dispute. The collection agency did not do this instead they increased the amount I owed them to hide the fact they were collecting the same debt twice, which I do not owe.. 

I have attached the original ambulance ride inclusive of dates demonstrating that they are deliberately attempting to coerce payment from me so as to prevent further damage to my business. 

The XXXX XXXX  ID number I had at the time was : ID : XXXX Group : XXXX This insurance information is confirmed on the attached correspondence. XXXX  XXXX stopped doing business in XXXX XXXX in XXXX, thus the debt they have added to my credit report is the same debt they were told to remove by XXXX XXXX in XXXX. They returned the debt to my credit report by claiming it was {$1.00} dollar less than the first charge than the first debt they put on my report. 

The date of Service for the Ambulance ride was : XX/XX/XXXX and the Run Number was : XXXX. 

I do not understand why the credit reference agencies are allowing this clearly fraudulent conduct to occur. This is nothing short of extortion. When I phoned Wakefield associates to dispute the claim they did not mark it as disputed instead they increased the amount owed so it looked distinct from the first debt they placed on my report.
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPLE IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern I recently received a copy of my consumer report ( XXXX, Equifax, XXXX ) and I noticed that it is reporting my experience with your company. 



The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. 





Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSION Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) - subject to section 1681s-3 of this title, any - ( i ) reports containing information solely as to transaction or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES Transactions or experiences between the consumer and the person ( creditor name ) making reports is not to be included on my consumer report!

Utilization is an experience with the lone of credit that was extended between me, the consumer and the person ( creditor name ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC1681a 2Ai by reporting this transaction or experience ( utilization ) on consumer reports which congress clearly states IS NOT included on my CONSUMER REPORTS You have 10 calendar days to update my utilization score to 5 % or below and or delete all utilization from the below accounts XXXX  30 % XXXX XXXX  85 % XXXXXXXX XXXX  39 % XXXX % XXXXXXXX XXXX 40 % XXXX  0 % XXXX 10 % XXXX 3 % XXXX 0 % XXXX 0 % XXXXXXXX XXXX  XXXX 0 % XXXX  91 % XXXXXXXX XXXX 0 % Failure to respond satisfactory with deletion of the above utilization score, will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of character Negligent noncompliance Civil liability Mental anguish Fair credit reporting act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance 15 USC1681n
Product: Mortgage

On yesterday I received another harassing call from Wells Fargo after them already knowing the fact that theyre to only contact the third party involved thats on record. And then as youll see in the attachments they already received the documents for the mortgage assistance application back on XXXX. However now theyre lying once again and claiming that they never got it. This is my last result with this and if this lying and harassment continues then possible legal action maybe taken. Sadly Wells Fargo has been sued by various cities including XXXX Pa for their lying and fraudulent activities and theres been constant complaints about their racism towards minorities in which I happen to be. Amazingly theres been mostly white veterans who receives the free mortgage homes from Wells Fargo. And less minorities and its pathetic on how their Customer Service Represenatives lie claiming that theyre part of some XXXX XXXX but in reality theyre just contained to a small cubicle. Finally after countless times they continues to send letters here in the name of XXXX XXXX to whom has defrauded them with forging my signature on the Mortgage Documents in 2006 and this has been brought to their attention countless times and even a hand writing expert confirmed that this was not my signature at all. Then Wells Fargo claims that no fraud was committed when XXXX XXXX forged my signature on the XXXX XXXX in 2006 and sadly this is why XXXX constantly lying about submitting both sides of the check in which a Judicial Ruling may have to take place if they dont stop their constant lies. XXXX XXXX currently physically XXXX and also feels as though XXXX being discriminated against. So where are the rights for the XXXX Wells Fargo? Make note that XXXX XXXX XXXX who was the assigned attorney who has since been fired by yours truly because he lied to me claiming that he did not have a Bank Account with Wells Fargo and only after the real civil rights investigation he actually did and Wells Fargo knew it and they both were trying to work against me. XXXX!!!
Product: Student loan

I am the co-signer for my son 's XXXX private student loans, and I am the primary signer for XXXX Federal loan l, all XXXX loans with Navient. I paid off XXXX of the private loans and the XXXX Federal loan. The Navient website for the paid off loans reflect a paid-off date of XXXX XXXX, 2016. Due to a delay getting the checks to the correct address within Navient, regular monthly payments occurred which in turn, caused the amounts paid to be greater than the outstanding balance. Consequently, there are now credit balances on the XXXX loans I paid off. So I called Navient to inquire about how and when I would receive the refunds of the overages. What I was told is that it would take XXXX to 60 business days for me to receive the refunds. As I found that answer unbelievable, I called Navient more than once to verify that answer, asking each time I called I why it takes so long. The answers were somewhat vague, but in essence they said they had to make sure the account was paid off, after which they would need to generate a paid-off letter to mail to me. The refund amount owed to me is over {$1300.00}. How absurd to have such a long waiting period! What that does is to give them the use of my money and prevent me from having the use of my money. During the XXXX to 60 day waiting period, they still collect monthly payments since the accounts are not officially closed, which means the refund amounts will continue to grow. If I stop paying, then I run the risk to being tagged as late or worse, which in turn affects my credit rating. In my opinion, their delaying tactic is a form of thievery, particularly since they will not pay me any interest for having the use of my money during the waiting period. What do you think?
Product: Debt collection

I received a message left on my cell number. The message was detailed stating that they needed to make sure I was around so I can sign for papers. My girlfriend received a message latter the same day XXXX/XXXX/2016 that was very detailed on her voice mail stating I needed to call a XXXX XXXX at XXXX that they received a claim against me under my name and SSN for file XXXX and she wanted to make sure I could sign for the papers for what is being filed against me. I was very upset and concerned and left worked and called the number provided. It went to a Lionstone Holdings Group who would not work out arrangements with me. They demanded I pay {$81.00} a week/ {$320.00} a month. 15 % of my weekly pay before I pay for my health insurance and other expenses. I told them I could not afford that arrangement and they said there was nothing else they could do. On XXXX/XXXX/2016 they called my employer. I told them I could not get calls at my work and provided my cell that they already have on file. I explained I am not permitted to answer my cell at work and the female states she would call later. She preceded to the call my cell within minutes of ending the call. I am willing to make reasonable arrangements on the matter however can not receive calls of these nature. They are upsetting, intimidating, and down right embarrassing. I kept the recorded messages if they are needed.
Product: Credit reporting or other personal consumer reports

Non authorized inquiries on credit report All inquiries from XX/XX/XXXX to XX/XX/XXXX were not authorized by me excluding XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please Delete these accounts immediately from XXXXXXXX XXXX  for {$7100.00} and {$6900.00} as they were opened fraudulently. Several times I've reached out to your company over the phone. And Equifax has failed to send me a proper full investigation as to how these accounts were actually verified as accurate. Therefore, you're in violation of the FCRA. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement or delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was removed, paid in full and removed XX/XX/XXXX. Through XXXX. The amount was XXXX. I was sent confirmation it was removed and paid in full from XXXX dispute service. After paid I waited and disputed to have it removed. Somehow miscommunication happened. Then it Reappeared, showing I was disputing a paid item. Now I look again it 's back on there as owed. It went from paid, removed, to paid, that I was disputing it was paid. To now a balance is showing again. I 've sent to XXXX multiple times, it 's Been ignored. Then there is XXXX XXXX reappeared on XX/XX/XXXX. It had been removed years ago for inaccurate information and wrong amount. I have copies of credit report with this not on it. All the sudden it 's there. The original account was reported in XX/XX/XXXX. I called XXXX a week ago when I first seen it. They assured me they seen nothing opened on XX/XX/XXXX. Now it 's showing on all 3 bureaus.
Product: Credit reporting or other personal consumer reports

Capital One Credit card is NOT reporting immediately the changes to my account when the Balance is lower than the previous statement or previous month. But when I am using the available credit and when it increases in any given Week, Capital One Credit card immediately reports the same to the Credit Bureaus. 

I tried calling the Capital One customer service several times previously but they said it takes around 60 days, that is TWO BILLING cycles for the reduced amount to reflect in the Credit reports. 

But how come the increase in the usage of the available Credit card balance is reported immediately to the Credit bureaus? This is fraudulent and purposeful misrepresentation of Consumer information to the Credit Bureaus which ultimately harms the Consumers with credit score not increasing and a blockage in getting further credits or loans or better interest and credit terms. 

When I called the Capital One about another issue, the Customer support supervisor warned me that my Credit card ending in XXXX is not current and under Risk of being initiated some negative actions by the Capital One. I had recently disputed the account balance with XXXX vide request XXXX through the XXXX XXXX XXXX This is how the Consumers are warned of if they report the matter to law enforcement authorities or the Credit Bureaus. It's a real case of tyranny and against the XXXX principals of USA. 

Also, I have an Auto Loan with Capital One and the outstanding balance are not at all updated as and when the Principal amount reduces. 

I request that CFPB take immediate action against these unscrupulous Banks and order them to pay the Consumers adequate financial compensation for all the misery and agonies with the so called system of Credit reports. It's nothing but an open CORRUPTION WHICH IS KILLING THE DEMOCRACY OF THE NATION. 

There is no doubt about the Tie up of Credit Card issuers and the Credit Bureaus which could lead to a Bad faith complaint under Anti Trust law. The fraudulent Tie-up of the Loan providers with the Credit Bureaus needs an indepth Investigation by the FTC and CFPB, being a watch dog of Financial services in USA.
Product: Debt collection

Midland Funding stole my information without my signature. Reported information to the credit bureaus. Sue me. Put a judgement on my property. And ruin my credit.
Product: Money transfer, virtual currency, or money service

I sold an item via XXXX. Money was sent via CashApp. Received notification that funds would be available on XX/XX/XXXX. XX/XX/XXXX funds were not available. Reached back out to the individuals about payament. Contacted the financial institution and was told there was nothing that could be done. I filed a civil lawsuit against the individual regarding my money. The judge told me it was nothing that she could do. She could not rule in my favor because the individuals showed were it was paid out. I showed the Judge where the money was never deposited into my account. Was told then to reach back out to XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Ive disputed negative and inaccurate accounts I had a total of 9 accounts and 8 of them were removed. XXXX XXXX  needs to be removed also from my Transunion credit report
Product: Credit reporting

I am a victim of identity theft. The unauthorized and fraudulent accounts and inquiries, do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

I AM VICTIM OF AN IDENTITY THEFT, PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, MY KNOWLEDGE. PLEASE RMEOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THIS CHARGES ARE NOT MINE, THIS ACCOUNT IS NOT MINE. PLEASE REMVOE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Debt collection

I joined XXXX 's Gym a couple years ago. When I went in and signed up I was told all I need to do was visit my local gym to cancel my membership/call. All I needed to do was call/visit at least 30 days before my contract was up and inform them that I wanted to cancel. I visited the GYM and called at least 5 times to be told it was cancelled and I would n't receive any further charges. This happened month after month and they were charging me. 
On the last call she told me that the reason I was still being charged was because I needed to cancel 60 days in advance and that was the reason I was still being charged. I asked them to please review the phone calls that are " recorded '' and they would hear the previous reps that informed my husband and I that my membership would be cancelled. I have now noticed it hit my credit report and never received anything informing me that I still had a membership and am being charged-owe money!! I followed their instructions and kept calling to cancel. How can I owe money for something that was cancelled and when my contract was over! The first call to cancel was in XXXX and continued from there.
Product: Credit reporting or other personal consumer reports

I am REWRITING to XXXX XXXX XXXX to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/year>. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.