23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out a  XXXX  loan with Navient my freshman year of college. I 've so far paid {$4500.00} and I still owe {$1600.00} according to Navient. That make 's no sense when my interest rate is set to 4.25 %. Someone please help me with this as I 've been paying and paying and the compounded interest does not seem right whatsoever.
Product: Checking or savings account

on XX/XX/XXXX, I have submitted a dispute for a large amount ( multiple transactions ) of fraud/unauthorized international transaction that happened. 
it's XX/XX/year> business days and no provisional credit has been given nor any updates. I have called them everyday since XXXX business day point- they claim they are working on it but no updates and no credit has arrived. 
I believe this is a clear violation.
Product: Credit reporting or other personal consumer reports

Experian, unable to login even after verifying by providing social security binder, phone number and address. Website asks me to call phone and when I call the automated system keeps sending me to the website. Unable to login at all, unable to talk to anyone on the phone number provided by the website, this is atrocious. Please enforce Experian to stop sending consumers into a loop. Thank you very much
Product: Debt collection

My first missed payment was XXXX XXXX 2019 for rent of {$1600.00} I had lost my job and just started another one. The apt was rented out end of XXXX beginning of XXXX. The credit agency is charging me {$24000.00}. There is no way I owe that much and the apt was rented out soon after so there are trying to illegally double charge rent.
Product: Credit card or prepaid card

On XXXX XX/XX/2019 I purchased two tickets from XXXX  against {$200.00} offered on the statemen on credit card # XXXX. Also, purchased the insurance coverage from XXXX XXXX in the amount of {$100.00}. XXXX They debited all the charges from my previous credit card # XXXX When I received the statement of the new cc applied XXXX from XXXX no credit of {$200.00} was applied. Enclosed the similar promotion was offered. I Contacted them, spoke to several employees, in some cases they hanged my call and have no intention to resolve my problem. Finally, one employee told me to dispute the {$200.00} later they sent me the denial letter by mail of the {$200.00}. At the same time, I placed a claim for the lost of my old gold weeding rings in the amount {$850.00} at the XXXX airport. 
After more than 3 months, XXXX is telling me still in process the claim. I provided all the pertaining documents, 8 pages and still waiting from XXXX.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I had some inquire that didn't belong to me.
Product: Money transfer, virtual currency, or money service

I have an account with PayPal and there was an amount of {$120.00} sent to someone named XXXX XXXX at XXXX. I did not send this to him, nor do I know who he is. I tried to dispute this with PayPal, but the request was denied and I did not get a refund. There was a service charge involved of {$4.00} so I am wanting my refund of {$120.00}. This happened on XX/XX/2019. I have since contacted my bank and filed a dispute through ACH. Thank you in advance for your help.
Product: Credit reporting or other personal consumer reports

Applied for a mortgage thru XXXX. We understood they offered mortgage programs for XXXX XXXX XXXX applicants. Upon review of my application, XXXX, at XXXX pre-purchase counseling, had said : " XXXX XXXX XXXX ( 52 minutes ago ) to XXXX XXXX me Hello XXXX XXXX Looking at the information you provided I can see that our program for lending is not aligned with what you are looking for. I added a resource link below it provides information on other programs that you might qualify for. 
XXXX XXXX XXXXXXXX Best wishes, XXXX XXXX '' To which I responded : " XXXX, please provide the criteria for which you made this determination. If you do not, i will forward this entire conversation to the FTC. 
Thank you. '' Please explain to the CFPB the details of this decision, and why the link to XXXX? What is the specific " help '' suggested by providing a link to XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act, these accounts listed has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of Education Account XXXX XXXX Department of Education Account XXXX XXXX Department of Education Account XXXX XXXX Florida Department of Revenue Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX 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: Checking or savings account

I ordered a digital photo frame from a company named XXXX XXXX. There is no way to contact this company other than XXXX. I sent XXXX emails after The order was placed cancelling the order. I sent the first email wishing 2 minutes of the order being placed. Never received a response. They shipped the order anyway and they should not have shipped it. It should have been cancelled. I again sent over twenty ( 20 ) emails to them. I asked to return this XXXX numerous times and never received a single response. I filed a claim with my Bank Wells Fargo. Wells Fargo took forever to deny this claim. The company never responded ( XXXX XXXX ) to me. Wells Fargo just denied the claim. They never said if the company responded to them or not. Wells Fargo just sent some ridiculous letter saying my claim was denied and the XXXX would be deducted from my account. Wells Fargo does not protect its customers. Did this XXXX XXXX company respond to Wells Fargo? How can I contact this company? They have never responded to a single email I sent them. Wells Fargo Should NOT have denied this claim. If the company responded to Wells Fargo, Wells Fargo should have sent that proof to me. They should not have denied this claim. I can't get a response from the company. The only address I can find for them is in XXXX XXXX. No XXXX address.
Product: Debt collection

For the past couple of years I have been disputing charges from XXXX XXXX XXXX XXXX, I initially signed up for a treatment package up to {$1500.00} with Comenity Bank and treatment was going to be rendered for about 8 months. After my consultation I made an appointment and when I showed up to the facility was closed, shut down and out of business. I made numerous attempts to contact them by phone without any luck. 

I did make a few payments and contacted Comenity Bank and later the collection company XXXX XXXX but they were not able to negotiate. 

These charges/services were not delivered as agreed and I truly believe this should be deleted from my credit report as it is hurting my credit. 

Please help, XXXX XXXX XXXX XXXX
Product: Debt collection

EZ loan is the place that is harassing and threatening me calling my job and calling my cell after I have advised them NOT TO USE MY CELL AND HARRASS ME, I HAVE CALLS RECORDED WHERE IT IS A JOKE AND THE FOUL LANGUAGE THAT THEY USE.
Product: Checking or savings account

I had opened an account with EastWest Bank upon opening the account i had made 2 deposits totallin over {$1000.00}. after i had made the deposits they all of a sudden closed my account with the only reason given to me was XXXX  and that was the only thing said to me. No exact or specific reason given to me whatsoever. They had locked me out of online banking so i have no access to my funds nor do i have a way to get my account number. The only way I have been able to contact them is via email which i have done 3 times and yet to have gotten any kind of response back
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly, they violated my rights.
Product: Bank account or service

on the morning of XXXX XXXX, 2016 I noticed my account was over drawn. I went to the XXXX, CT banking center to make a deposit to bring my account current. I was informed that the banking systems were down in my area XXXX XXXX XXXX, XXXX, XXXX CT, etc ) and was advised to wait until they are back up to make the deposit. Around XXXX I drove back to XXXX XXXX, CT and was advised I can then make a deposit via ATM, which I did. On XXXX XXXX, 2016 I was charged XXXX XXXX overdraft fees. I called customer service and even though they said they saw the systems were down, they would not reverse my fees due to the ATM machines were working ( even though I explained I was advised not to make any deposits as they did not know why the systems were down perhaps cyberthreat, etc ). My complaint is as follows : 1. The fees for insufficient funds are egregious 2. No compassion for their banking system not working 3. Over 10 years of banking with them, they did not care.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Dear CFPB, I am writing to formally request your immediate assistance in resolving a critical issue concerning my credit report with Experian. An erroneous collection account has been reported, which does not appear on my XXXX and XXXX reports, indicating inconsistent and potentially damaging reporting practices. 

The account in question is as follows : Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Account Status : Derogatory Last Reported : XX/XX/XXXX This account is inaccurately reported and I have several points of contention : Inconsistent Reporting : This collection account is only reported by Experian and does not appear on my XXXX and XXXX XXXX. Such inconsistency is alarming and suggests a potential error in reporting by Experian. 

Lack of Detailed Information : The account details provided by Experian lack sufficient information to verify its legitimacy. There are no details on the date of last payment or the nature of the debt, making it difficult for me to validate or contest the account accurately. 

Negative Impact on Creditworthiness : The presence of this derogatory account on my Experian report is unfairly damaging my credit score and my ability to obtain credit. The lack of this account on other reports underscores its inaccuracy. 

Previous Dispute : I have already disputed this account directly with Experian but have not received a satisfactory resolution. Experian failed to provide adequate evidence to substantiate the legitimacy of this account. 

Urgency : Given the significant impact on my financial health, I request an immediate investigation and resolution within 30 days, as stipulated by the Fair Credit Reporting Act ( FCRA ). The prolonged presence of this inaccurate account is causing continuous harm. 

I urge the CFPB to expedite this matter and mandate Experian to remove this inaccurate and unverified collection account from my credit report within 30 days. I appreciate your prompt attention and assistance in ensuring the accuracy and fairness of my credit reporting. 

Thank you for your help. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I MADE A INTERNATIONAL MONEY TRANSFER IN XX/XX/2022 USING MY BANK ACCOUNT WITH BANK OF AMERICA, THIS TRANSFER WAS MADE TO XXXX XXXX  IN DOLLAR TO BE PAID TO A 3RD PARTY IN DOLLARS IN XXXX, THEY NEVER SEND THE MONEY, BOFA SAID THEY PAID TO XXXX XXXX  SINCE NEXT DAY OF THE TRANSACTION BUT XXXX XXXX  NEVER MADE THE DEPOSIT IN THE OTHER BANK IN XXXX. 
I DID 3 CLAIMS BEFORE AN ALWAYS RECEIVE THE SAME ANSWER, BOFA PAID BUT XXXX XXXX  NOT ANSWER, NOT PAY AND NOT REFUND THE MONEY.. 
I DID TRY TO CONTACT XXXX XXXX  BUT THEY REFUSE TO GIVE ME INFORMATION BECAUSE I'M NOT YOUR CUSTOMER. MORE THAN A YEAR AND MY MONEY IS LOST {$9800.00} DOLLARS.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

Mr Cooper took over as my mortgage company and ever since I get many phone calls a week as well as emails about refinancing. In the beginning I kept telling them I am not interested and to stop calling me which they didn't do. Finely I figured if I let them go through their pitch they would leave me alone, but that has not happened. Time and time I have told them I do not want to refinance because all its going to do is raise my interest rate. This company does no more than try to pester and pressure its customers into refinancing wither they are interested or not. Don't know if it has anything to do with my trying to dodge them but within the last two years my Payment has jumped up over XXXX more than I was originally paying. Not over taxes but over insurance at which I believe my house is grossly over appraised and the insurance company says they can not lower the value from what the mortgage company says. Is this company trying to pull something to make me have to refinance at their rates? I don't know but I'm getting tired of feeling pressured.
Product: Debt collection

I started a lease with Acima for a mattress in XXXX or XXXX, had the payment plan for XXXX  day payment plan to avoid paying more than its worth. Every payment went through for {$66.00} a week when I got paid. I wasnt aware of my last payment not going through which was the beginning of XXXX and they started reaching out to me in XXXX. Too late for for payment plan. I told them I wasnt aware and that I wish they wouldve told me the payment didnt go through so that I couldve made the payment right away. The man said he was going to see if something could be worked out, I let him know if he couldnt that I wont be making any payments more than I signed up for. I cant afford to overpay for something when it wasnt my fault, he came back saying that there was nothing he could do. And that there may be something to come through and that he will reach out to me then. Someone else called me XXXX days later unaware of the whole conversation I had with the man, and she said that the only thing she could do is set up another payment plan which would mean that I have to pay the outrageous amount instead of the {$700.00} something I signed up for. I told her Im not interested in paying that. And now they call every other day, I have told them I have already tried to work it out but they are being unreasonable therefore stop trying to take money out of my account and stop calling me, if I decide to make a payment I will call them. The XXXX says to me that I am under collections and that they will keep contacting me until a payment arrangement has been set. Thats the third time I have had to go back and forth with this company, this time I told her that I would be reporting them for harassment and she told me to do whatever I felt the need to do and that they would still be contacting me until they get paid
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding my inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( XXXX ), 12 U. S. C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the XXXX recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX acct showing a late payment.
Product: Credit reporting or other personal consumer reports

I just received my new credit report for EXPERIAN and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me.

This is the list of them.

Experian fraudulent Soft Inquiries too be Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN Address XXXX XXXX XXXX XXXXXXXX, TX XXXX Record details Inquired XXXX XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Record details Inquired XXXX XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX details Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN Address XXXX XXXX XXXX XXXXXXXX, TX XXXX Record details Inquired XXXX
Product: Debt collection

National Credit Systems has failed to provide itemized documentation for the account that is listed on my credit report. The last activity on this account was XX/XX/XXXX and for the state of TN the statue of limitations is 6 years. I want this account removed immediately. I have repeatedly disputed this account over the years and it always comes back verified without documentation being provided to me. I was denied a job due to this one and only collection on my whole report. I 'm not able to qualify for a mortgage loan as well until this is rectified. I need this corrected as soon as possible. I recently disputed this via XXXX and it came back on the XX/XX/XXXX day as verified again.
Product: Credit reporting or other personal consumer reports

The bureau refuses to update my personal information XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Bank account or service

On XXXX XXXX and XXXX, 2016 I became a victim of identity theft at the JP Morgan Chase bank, when approximately {$12000.00} was taken from my savings and checking accounts. 

To date the bank has reimbursement approximately {$9500.00}. 

The bank refuses to reimburse the balance of the money taken, which is {$2500.00}.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 ( MONTHS REPORTING LATE ) 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, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX 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 1002 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX with TD Bank/XXXX that she did not authorize. An official dispute of this was faxed ( verified received ) to TD Bank/XXXX fraud department XX/XX/XXXX. In response TD Bank provided application data however did not confirm the issue was resolved nor did they remove the inquiry from the credit report. This is a violation of FCRA and my clients federal consumer rights.
Product: Mortgage

I am refinancing my home mrgt, but my company mrgt called Loan Care are holding up my ability to close and save over {$5000.00} in costs ( mortgage tax ) for no apparent reason. They refuse to sent Payoff Bill so We can closed. They just took over the loan only two months ago front XXXX.
Product: Debt collection

In approximately XXXX of XXXX I was contacted by TSI regarding an alleged debt owed to XXXX XXXX. At that time I submitted a request for validation of debt indicating I had no credit relationship with this company and have never owed them any money. I requested any contract or agreement regarding the amount owed, and having received no information or additional collection attempts I assumed the matter was closed. In XXXX of XXXX I received the same notification that I owed the debt and again requested validation of the debt, sending the attached letter on XX/XX/XXXX. Now I have received an additional attempt to collect this debt dated XX/XX/XXXX without receiving any validation of the alleged debt. 

I have no dealings with XXXX XXXX, there is no contract, agreement or credit relationship that would ever justify owing this debt. 

With an additional attempt to collect an unvalidated debt, TSI is in violation of the FDCPA and subject to up to {$1500.00} in fines for each attempt, to include phone calls.