23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I would like to add my complaint/ experience to the suit regarding the problems with Navient, which financed my students loans until XX/XX/2016 when I was able to move and consolidate them with XXXX. I feel Navient discouraged -- and even falsely advised -- me to over pay to reduce the principal on my loans. I also feel the did not correctly allow me, nor did they offer, to combine loans and did not give any information about changing rates. Finally, Navient would not adjust the loan to allow me to take my father off as a cosigner. As a result, after much communication and discussion, I had to change companies. It was just one thing after the next. Now, it appears I was n't the only one experiencing this. I thank you for this opportunity to share.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed a large amount of money to XXXX 's and was unable to pay the full amount ( I believe it was owed over {$8000.00} ). Because of the problems, I signed up with XXXX XXXX XXXX to try and get this credit resolved. I was promised that if I made 29 payments to them, they would be able to negotiate and resolve my debt with XXXX. <P/>I signed up for this service in XXXX, XXXX and faithfully made $ XXXX monthly payments for the 29 months. XXXX XXXX signed me up with Global Client Solutions to handle my money but I think they may be one in the same, I do not know. My last payment was made in XXXX, XXXX. <P/>I heard nothing more from anyone until this past month when out of the blue, I got a check from Global Solutions for {$2600.00} and was told to deposit it and they ( XXXX XXXX ) would arrange for it to be debited to my XXXX account. I became suspicious at that point and did not deposit the money and cancelled the authorization and debit. <P/>I then contacted my local legal services office and they were able to get a copy of my account showing that I made 29 monthly payments of {$150.00} for a total of {$4300.00}. The {$2600.00} check represented a return of my money that I had deposited less their transaction fees and customer fees. I then learned after contacting XXXX that the check for {$2600.00}, if it had been debited and paid to XXXX, was not a payment in full but a partial payment and that none of my debt to XXXX had been negotiated down. <P/>I believe that they just took my money and never did anything they promised. I think they should give me back the fees they took, {$1600.00} ( {$4300.00} - $ XXXX {$1600.00} ), and they should not be allowed to take advantage of other people this way. I am elderly person whose only income is social security. I did not understand that they were taking advantage of me until this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update.
Product: Credit card or prepaid card

I closed this card in XX/XX/2021 because the fees were too high. Due to XXXX I lost 75 % of my income and this company didn't want to adjust the annual fee so I closed the card. When I closed the card my balance was around {$220.00} which I have paid about {$170.00}. I am a veteran who is on unemployment so I haven't had the income to pay off the {$50.00} remaining balance. I received a bill showing over {$500.00}. How can they charge me fees on a closed account? These fees need to be removed.
Product: Debt collection

Unauthorized Deed of Trust Alteration : The Deed of Trust was modified without our knowledge or consent, including an unapproved change of the Trustee. Although we were given notice of this change, we were not part of the process and did not provide consent because we were not aware of it until after it occurred. According to RCW 61.24.040 ( Washington Deed of Trust Act ), any alterations to the trustee must be documented in writing and signed by all parties involved. This did not happen in our case. Moreover, RCW 19.144.110 ( Consumer Protection Act ) prohibits unfair or deceptive practices in commerce, which is exactly what we experienced. 

Despite being fully aware that we are victims of mortgage fraud and identity theftan issue we have reported to XXXX and the XXXX continued to pursue a fraudulent tradeline and allowed the alteration of the Deed of Trust. This blatant disregard for legal obligations and consumer protection laws underscores a troubling pattern of predatory practices. This situation has not only drained our finances but has also caused immense emotional distress, severely impacting our well-being and sense of security. 

We urge immediate action to investigate these violations and hold those responsible accountable. The integrity of the real estate process and the protection of consumers like us are at stake. 

Please note that the identity theft report provided is for the fraudulent tradeline in question and is under my husband 's XXXX XXXX. To clarify, I am on the deed, not on the loanI provided the downpayment funds and the source has been omitted by Escrow and Loan servicer. I have been contacted directly by CLEAR Recon Corp about this matter via US mail ; therefore, I feel compelled to do a report. As a defrauded buyer, I am advocating for restoration. I have provided verification of being contacted directly in the attached.
Product: Student loan

I had by bank pay navient the monthly payment XXXX they paid on XX/XX/2018 I saw that navient didn't post it and had my account as late and added late charges. My bank called them and they said they got the payment but not sure why it didn't get credited to my account. Now it's a month later and nothing has happened except they keep calling and asking for payment..they say I should be getting the refund through the mail they can not put it thru my account. They have my money And I want it back so I can pay them. What should I do
Product: Debt collection

I purchased furniture from a company called XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX, Nevada in XX/XX/year> and used a Synchrony Credit Card offered by the seller to complete the purchase of {$7100.00}. 
In XX/XX/year> I received a bill from Synchrony XXXX  I quickly contacted them to inform them I never received the furniture and was not going to make payments on merchandise I never received. 
I contacted Synchrony XXXX numerous times in the last three years informing them I never received the furniture. Now Synchrony XXXX has turned me over to a collection agency law firm called " XXXX ''. I have been fighting this for almost four years now and even after hiring the XXXX XXXX XXXX to resolve this situation I continue to receive threats from Synchrony Bank and now a threat of a law suit from a collection agency. I have submitted claims to several agencies regarding this issue and have been left with no choice but to file a class action counter law suit to end this harassment once and for all.
Product: Debt collection

After requesting a copy of my credit report I found that Amerifinancial Solutions had placed a collection account on my credit report on XX/XX/XXXX. Previous to this I had not been contacted so I was never given the right to dispute the item. The amount is for {$350.00} for service that was rendered sometime in XXXX that had been previously disputed. I requested a copy of my credit report after I received an alert that my credit score had dropped.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Data Breach and Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally file a complaint regarding a data breach that has negatively impacted my credit report and financial standing. Despite my efforts to resolve these issues directly with the credit bureaus and affected financial institutions, the inaccuracies remain on my credit report, causing harm to my credit score and financial well-being.

Despite my good faith efforts to correct these errors, they have not been properly addressed. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and the failure to remove or correct these errors is a violation of my consumer rights.

Requested Resolution : I respectfully request the CFPBs assistance in ensuring that : The inaccurate and fraudulent items are removed from my credit report.

The credit bureaus and affected financial institutions conduct a thorough investigation and provide documentation of their findings.

Any additional steps are taken to prevent further harm to my financial standing.

I have attached copies of my credit report, dispute letters, and any relevant correspondence related to this matter for your review. I appreciate your prompt attention to this issue and look forward to your assistance in resolving this matter.

Please feel free to contact me at [ XXXX for any further information. 

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

I am the victim of identity theft. The account listed here is the result of fraud. I have sent this information to the credit bureaus several times already but they are not responding to me.
Product: Mortgage

Bank of America Account number XXXX Property address XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX I have not been able to make any mortgage payments for the past 1 year and I'm currently on deferred payments with Bank of America . I have applied for loan modification with the bank and I have submitted all the documents they have requested for, after submitting all the documents they have rejected my application saying I have to apply for refinance. Initially they have requested me to apply for loan modification since we do not qualify for refinance since we currently do not have jobs, now they are just going back saying we have to apply for refinance. How can we apply for refinance when we are not eligible? Please help get the loan modification processed so we can start making minimal payments.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account # XXXX and XXXX XXXX  XXXX XXXX XXXX # XXXX have two different account names also two different account balance. One status say close and the other say collection/chargeoff. 
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 renortinoadency can not furnish a account without mv written instructions In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, has violated my rights.
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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  EQUIFAX XXXX  REPORTING FTC VIOLATION ON THIS XXXX XXXX XXXX XXXX THAT IS NOT MINE OR NO KNOWLEDGE OF
Product: Credit card or prepaid card

Following up on complaint : XXXX The response received was nearly word for word a copy/paste of the canned response I was sent when contacting Chase directly, and did not explain how I my card did not qualify for the advertised offer. 

Using the internet, I was able to obtain screenshot proof that the offer was being promoted for the card I applied for on the day I applied for it : XXXX XXXX XXXX XXXX XXXX This has not been addressed by Chase and I would like them to comment on it specifically instead of continuing to ignore it and simply state that their 'offers change '.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting informating that is frad on there report and will not remove from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX DEPT OF ED INQUIRED ON XX/XX/XXXX XXXX CARD INQUIRED ON XXXX XXXX, XXXX XXXX XXXX  INQUIRED ON XXXX XXXX XXXXXXXX XXXX INQUIRED ON XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON XXXX XXXX, XXXX
Product: Mortgage

My husband and I are going through a financial hardship we were on the Hardest Hit Funds Program with Neighborhood Housing Services of  XXXX   ( NHS ) . We were approved on  XXXX   XXXX   XXXX  and made our fist payment to  XXXX  that same day. We were instructed by o ur counselor fr om  NHS t o begin sending our mortgage contribution payments to  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  begging on  XXXX   XXXX ,  XXXX . I received a notice letter on  XXXX   XXXX ,  XXXX  from   XXXX   XXXX   my servicer at the time, that my loan had been transferred t o PennyMac  effective  XXXX   XXXX   XXXX . On  XXXX / XXXX / XXXX  I received a notice of default from  PennyMac in the am ount of {$5300.00} I immediately called them to question, the representative at that time said the State was late in sending in my contribution payments but the matter would be resolved at the end of our contract with Hardest Hit Funds. Our  two year term has  expired on  XXXX   XXXX ,  XXXX  and  PennyMac is st ill requesting payments for  XXXX ,  XXXX  and  XXXX   XXXX . My  counselor  and I have sent in proof of payments made from my account to  XXXX  and from the State to  PennyMac and it clearly shows that I am not in default of any missing payments. PennyMac has responded to me that they are accurate in stating that I owe those months and if there is any dispute it should be with the State Funding Program.  I have showed them clear evidence of payments and the underwriter in care of my account says there is nothing they can do for me at this point and I have make my account current in order to avoid foreclose. This is a matter of power over the defenseless people like ourselves that the banks take advantage of. My husband and I feel hopeless and it is very frustrating.
Product: Credit reporting or other personal consumer reports

Experian have incorrect information on my credit report. 
And they doesn't want to fix it. 
I sent two disputes and they don't want to solve the problem. 
they have my day of birth incorrect my name incorrect. 
and they are putting a debt that does not belong to me XXXX dollars of a car loan I called the financial company and they don't want to fix the problem either. 
I am not a customer and I do not have an account with them autonation financial. 
What should I do to solve the problem.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serous concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

The Company said that's all they do is hard pulls for an apartment rental. I told her in all my days I have NEVER had a HARD pull done on my credit for an apartment and if I had known this I would have never applied
Product: Credit card

Chase all of a sudden reduced my credit limit and ruined my credit score. I have always been on time in terms of payments and always paid more than the min required payment. Based on their letter, they reduced my credit limit simnifically based on XXXX score of XXXX from XXXX. Their action ruined my credit score and made it drop to XXXX XXXX I had done nothing wrong, as said always paid more than the min ahead of the deadline. They have immensely benefited from the very high interests and made handsome profits from my use of the credit cards, but they took the liberty of ruining my credit standing. When contacted, they rudely said this is what it is. This is a predatory practice and extremely unfair. Why the credit company that is benefiting handsomely should be allowed to ruin one 's credit score like this without any prior warning or notice. My credit score was ok before their unwarranted action and Chase must not be allowed to do this and ruin someone's credit like this while they are earning massively from them.
Product: Credit reporting or other personal consumer reports

Payments were made on the account and creditor evidently refused payment because they reported account late which is a violation of 15 USC 1666 ( b ) a ; 15 USC 1681e ; 15 USC 1692. Creditor has engaged in harassment initiated on XX/XX/year> and has continued not less than twice daily with phone calls starting as early as XXXX XXXX XXXX until the hours of XXXX XXXX XXXX. These actions performed by the creditor has caused emotional stress and mental anguish with the repeated calls throughout the day everyday.
Product: Credit card or prepaid card

American Express states that I opted in to a Pay Over Time feature on our AMEX in XX/XX/XXXX. I do not recall ever having the process explained or opting into the service. This " Service ''  automatically routed charges of more than {$100.00} to a separate hidden account that does not show up on the Statement or Payment tabs. AMEX then charged us {$1000.00} in fees on the Pay Over Time account between XX/XX/XXXX and today. They continued to route purchases over {$100.00} to this account so we were always paying little bits of the charges and thinking we were paying the whole balance. When I paid the statement balance I assumed that meant I was paying everything we owed to Amex but it didn't include the Pay Over Time balance. They hide all mention of Pay Over Time on their website so if you aren't watching closely you never notice the interest charges. I complained to the company but they said there was nothing they could do. I cancelled Pay Over Time and immediately there are little ads for it all over the account page when I log into americanexpress.com.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Asked representative in media services for my certifications held on a delayed billing statement due to bankruptcy. Have been referred to terms and conditions legal by Applecare. Need certification photographs and numbers on XXXX. She could not retrieve them in the customer service position, nor was she attentive to needed information due to restrictive policy. She could not refer me Sunday. On XXXX  Applecare does not respond in a timely manner due to over capacity of customer service requests. Due to Applecare inactivity, I ended the call. XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Checked my credit and it dropped XXXX points and I was shocked. Checked into it, they added {>= $1,000,000} plus to my loan amount. I owe only around {$140000.00}. Now they say I owe over XXXX. Never received the money from them and didnt apply for the extra money either. Im close to trying to receive another loan, but now with this showing this amount and credit dropped. Never be able to buy another property with this problem.
Product: Credit reporting or other personal consumer reports

Bank of America is falsely reporting late payments. 
Bank of America has acknowledged this MULTIPLE TIMES IN WRITING Yet continue to falsely report late payments that were NOT and there is PROOF.

The credit reporting agency is now also liable to falsely reporting this. 
{$1000.00} plus daily punitive and actual damages. Including mental anguish. 
Now ALSO flase reporting to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there was several bills that was place on my credit that I have disputed to be remove off. Two of the bills for the amount of {$370.00}. I have no knowledge of these bills. I stated to the credit bureau and also the collection agencies about these two bills. They still haven't removed these bills from XXXX or XXXX. I have a medical bill for {$1200.00} which was not my fault, it was the hospital mistake. They sent my lab work to unauthorize XXXX with my insurance did not approve. I had made several complaints about this issue with thr insurance agency, the hospital, and my doctor 's office and still the bill is still on my credit for me to pay. I would love for these bills to be remain of my credit immediately thank you. 
I'm total lost with these bills.
Product: Checking or savings account

Navy Federal Credit Union charges me XXXX  fees for funds that I have in the account. By the time the funds official post, they have already charged an overdraft when it isnt suppose to be an XXXX fee.
Product: Debt collection

A letter was sent to me on XX/XX/year>, the amount was to be paid was XXXX, the due date was XX/XX/year>, the man I talked with was XXXX XXXX. The letter was sent by XXXX XXXX I asked for him twice, but I got XXXX XXXX I told him about the letter I received and he said he would not honor the letter sent He asked for a double amount!! I was disappointed because I make little money and I was willing to try to pay that amount at the end of XXXX, but he said how much could I pay today and I told him I don't have anything could I try to pay the XXXX at the end of Fevruary but he abruptly said no, so I hung up the phone.