23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX 2016, I entered into a repayment agreement with Navient concerning three private law school loans totaling almost {$30000.00}. I agreed to pay {$200.00} a month on the XXXX of each month, and in exchange, Navient agreed to lower my interest rate to .001 % after three timely payments. I have made 18 payments now of {$200.00} a month, totaling {$3700.00}. Despite the repayment agreement and on-time payments ( which Im continuing ), Navient refuses to send to me a pay history showing how my balance is declining or how the payments are benefiting my bottom line. Even worse, Navient still shows my account as past due and continues to report it to the credit reporting agencies that way. I have asked them to correct this, but they refuse representing that the prior default has not been remedied. This makes no sense and is violative of the FDCPA and other statutes because we entered into the XXXX  2016 repayment agreement which supersedes the prior repayment arrangement and remedies any outstanding default.
Product: Credit card

Back on XX/XX/XXXX i bought XXXX unheard edition. I never got the email or anything regarding the game download. i figured it was because it was in 'beta ' and not available yet? i signed into my escape from XXXX  account and i wasn't able to find it on their website and their support never responds to emails. 

I reached out to XXXX and they confirmed they won't be issuing a refund to reach out to the game vendor. I did this and no response from game vendor. 

Opened dispute with CapitalOne on XX/XX/XXXX, they denied my dispute on XX/XX/XXXX. they " CapitalOne '' says they can't do anything more because it is pass the 60 days from XX/XX/XXXX to XX/XX/XXXX. 

I bought a game online via a vendor. vendor never supplied said game. disputed with capital one and they are denying my claim and siding with scammers of XXXX, if you do some research on this company you'll see this isn't the first time they are scamming customers. 

XXXX own XXXX XXXX XXXX  terms says clearly if item is not received refund is allowed, where is my refund? 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, California, XXXX Game vendor XXXX out of XXXX.
Product: Debt collection

On XXXX, I went to ER room, and it charged me {$520.00} for the medical check. My insurance company paid {$190.00}, I paid cash {$150.00} and {$150.00} from credit card, and discounted {$27.00}. I have already paid all the money that has no balance left, but I just received a mail from phoenix financial services, showing that I have a debt, with a wrong account number and wrong amount, but with my name on it correctly and told me I need to pay my debt. My name is XXXX XXXX.
Product: Prepaid card

I received this card on Thursday from my boss because i had gotten some items for the store. She ended up putting the amount of {$30.00} dollars on there. On Friday i tried to just verify the balance. I was unable to after trying several times. 

I called the number on the back of the card and they told me the gift card was flagged because of fraud. That didnt make sense because my boss had just gotten this for me. They then told me to go to the website, scroll to the bottom and fill out that form. They said i needed to upload my ID and front plus back copies of the gift card. After trying i told them the website wouldnt take me to the page to upload anything. 

I then called today to try and the same thing happened. Both calls they told me i would need to fax over a copy of my id plus the gift card. I told her i was uncomfortable doing that and she got very upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have been paying Salliemae, now Navient since 2007. The initial loan was for {$21000.00} and after it was sold to Navient it has now ballooned to me owing them an additional {$36000.00}. I did one semester in XXXX - I did not finish because I realized how much they were charging per semester that was not revealed up front. 

I have repaid Navient, to date {$30000.00}. They charge me a 12 % interest rate and after I called to ask why wasn't more of my payments being applied to the principle they said I have to call each time to speak to a rep to ask that my payment be charged to the principle. On the website they do not give you that option which is very unscrupulous because XXXX and XXXX both allow payment to be applied on your interest or principle.
Product: Credit card or prepaid card

On XX/XX/2021 I opened up a new line of credit through Synchrony Bank through the XXXX website. Purchase was for XXXX. 

A few days after a hold was placed on the activity. I called to try to resolve, they couldn't help until I received my physical card from them. 

On XX/XX/2021 I received the physical card. One I was able to speak with the bank they informed me they put a hold on the transaction due to a discrepancy. They stated that I had two purchases on my account of XXXX and XXXX. I told them the XXXX was mine and I claimed that transaction. The XXXX was not mine and was a fraudulent charge. 

They then proceeded to close my account, cancel my card and reissue me a new account and card. However the report through the Fraud Agency stated that I had requested the XXXX transaction as " fraud '' and did not mention anything about the XXXX transaction. For whatever reason the bank no longer saw the " XXXX '' transaction within my records. 

This was a misleading event. My bank told me about two purchases, I said one was fraudulent, they deleted for whatever reason from their records the fraudulent claim and then said I said the XXXX transaction was fraudulent, which it was not. I cancelled the fraud investigation, but now I have wasted a week for a purchase I was willing to make and pay off. 

This is blatant incompetence and potentially damaging to my credit which I did not deserve to receive. I completed all the appropriate actions to ensure a smooth transition but the company was nowhere able to support the needs and mislead me on what had occured and how it was recorded.
Product: Credit card or prepaid card

I had taken opened a credit account with SYNCRONY BANK / CARE CREDIT for the purpose of having a dental implant done at XXXX XXXX XXXX XXXX XXXX   with the owner and practitioner XXXX XXXX XXXX. I made one agreed upon purchase with the CARE CREDIT card for {$2200.00} which was for a complete implant procedure. XXXX XXXX would tell me that I needed additional procedures to continue with the XXXX  only after the original charge was made. He charged for " XXXX XXXX '' which was only a XXXX. XXXX  XXXX placed my XXXX  incorrectly, removed it, charged me {$500.00} for a XXXX XXXX, replaced the XXXX  and told me he needed an additional {$1700.00} to complete the procedure with the XXXX  and XXXX. I called CARE CREDIT and disputed the transaction as I no longer trusted or had confidence in XXXX XXXX. He was also refusing to finish the procedure for the agreed upon price. CARE CREDIT investigated my dispute and released the dispute in the doctors favor citing a patient ledger XXXX XXXXI sent them stating that he completely finished the procedure including XXXX and XXXX. I never received an XXXX  or XXXX. XXXX XXXXI did not finish the procedure and sent CARE CREDIT a falsified ledger showing that he did. CARE CREDIT told me there was nothing I could do about it. My credit is ruined, I have been XXXX  on by XXXX XXXX numerous times with bad results and no completed XXXX XXXX.
Product: Checking or savings account

On XX/XX/2021 I am deposit insurance check to mine Citibank account {$1000.00} in XXXX hours later mine Citibank account is close. I call Citibank customer to explain why mine account is closed. They told me that check is fraud and closes mine account. 
I am telling Citibank is wrong to closed mine account like that. By law they need to investigate first before closing some customer account like that. 
Customer service telling me they do what ever they want to do with every customer account they want. 
Right now I helping because am so stressed full right now. Please please can someone helping me to get mine right back. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries listed on my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

As a result of Equifax 's negligence, my personal information, including my Social Security number, was compromised. This breach has subjected me to potential identity theft and financial harm. Given this breach of trust and the resulting risks, I request that all negative and inaccurate items on my credit report be permanently removed to restore my financial standing.

Under the Fair Credit Reporting Act ( FCRA ) : Accurate Reporting ( 611 ) : Credit reporting agencies must ensure that the information they report is accurate and verifiable. Equifax can not guarantee that my compromised data has not been used fraudulently, I believe these entries should be removed immediately.

Data Safeguarding ( 609 ( g ) ) : Equifax has a legal obligation to safeguard consumer data. Their failure in this regard directly undermines my confidence in the integrity of the information on my credit report.

I am seeking the removal of all negative and disputed items on my credit report because the data breach creates a reasonable doubt about the validity of the reported information. Equifax 's failure to protect my sensitive information has led to a loss of trust, and I believe it is only fair that they take immediate corrective action to mitigate the impact of their breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. nothing happened, they stated was verified but could not send me any information on who verified or anything. 

I have sent 3 letters, the last has been attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted complaint to Credit Reporting Agency Transunion on XX/XX/2022 they received complaint XXXX on XX/XX/2022 still Open and it bend over 30 day whit out a resolution. I provided factual info directly from the credit report. 

In accordance with the Fair Credit Reporting act. Credit Reporting Agency Experian are in Violation of Law 15 U.S. Code 1681i - Procedure in case of disputed accuracy Violation of 15 USC 1681i ( a ) ( 1 ) ( A ) ( 5 ) ( A ) ( ii ). 


if the completeness or accuracy of any item of information contained in a consumers 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, In accordance with the Fair Credit Reporting act. Credit Reporting Agency Transunion are in Violation of Law 15 USC 1681i ( a ) ( 1 ) ( A ) ( 5 ) ( A ) ( ii ).

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. 

An item of the information is found to be inaccurate or incomplete. 

Promptly delete that item of information from the file of the consumer,
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX XXXX and XXXX saw some hard inquiries that did not have permission purpose XXXX also attached evidence 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 Those inquiries has no permissible purpose to be on my report.Delete those inquiries due to violation of 15 USC 1668B Im a victim of fraud I want to remove all inquiries on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the XXXX XXXX XXXX. These accounts should be corrected : XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$47000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$10000.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.
Product: Credit reporting or other personal consumer reports

I requesting method of verification for this account XXXXXXXX  {$650.00} Account # XXXX. This account was charged off and The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate. 
15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of e rrors 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.

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. 
Duty a moral or legal obligation ; a responsibility Accurate, correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
Product: Mortgage

I paid off my mortgage with Freedom Mortgage Corporation ( XXXX XXXX XXXX ) on XX/XX/2023. The company confirmed that they received the payment on XX/XX/2023 and that the payoff amount included interest through XX/XX/2023. They also confirmed that they were charging interest on the mortgage at the rate of {$17.00} per day. Since I paid off the mortgage on XX/XX/2023, I am owed a refund of four days interest for a total of {$71.00}. I called their customer service department on XX/XX/XXXX to request a refund of the excess interest paid. The person I spoke to told me they did not issue refunds of interest after the mortgage payoff amount had been received. 
I then spoke to my real estate agent who handled the transaction. She confirmed that I was owed a refund of four days interest and that all mortgage companies refund excess interest charges after the payoff amount has been received. I then called their customer service department again and spoke to a different person who confirmed the above details of the transaction and said he would put a note in my file requesting a refund. 
However, I just received a letter dated XX/XX/2023 from their XXXX XXXX XXXX ( XXXX # XXXX ) stating that my account has been closed, with no mention of my request for a refund of the excess interest charged. 
I am requesting that Freedom Mortgage Company return the excess interest they charged in the amount of {$71.00}, as is standard practice with all other mortgage companies.
Product: Credit reporting or other personal consumer reports

I am requesting the my balance on my XXXX/Department of Education account be updated as closed/paid in full per the attached document submitted which is a IRS notification from the IRS and the company . 

I tried speaking to the companies but it appears that they said sometimes there system glitches and it doesn't get the information, which explains why i am trying to resolve it through the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account XXXX : XXXX XXXX XXXX XXXX : {$2000.00} 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.

15 U.S.C 1681c. ( a ) ( 5 ) section States : No consumer reporting agency may make any consumer report containing any of the fallowing items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 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 information to be inaccurate.
Product: Vehicle loan or lease

Re : Gateway One Lending I paid total balance of my auto loan. But they continue to withdraw bimonthly payments and deny it when I have called them. Re : loan # XXXX. On XXXX a payment was sent to pay off the total balance of my car loan. On XXXX and again on XXXX they continued to take bimonthly payments from my checking account for {$230.00} each time. Every time I call them -- they deny that they are doing this. On XXXX I spoke with " XXXX '', he informed me this must be someone else taking money from my account. All of transactions have always been listed as " XXXX '' # XXXX with each deduction. I disputed/claim # XXXX with my bank XXXX XXXX on XXXX. I have since been informed my bank has denied the dispute because my request was not submitted during the merchant 's required time frame. 
I want my money they took out my account.
Product: Prepaid card

I was suppose to recieve a reversal from the merchant two days ago. However it has n't posted to my account there was an atm error in which the money that I was suppose to recieve was not dispensed to me however the full amount wss charged to my card. 
I have contacted rush card on a consistent bases just to get the run around. I am pregnant and ca n't eat because they have took my money. I have no help! I am devastated please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had late payments on XXXX of XXXX and XXXX of XXXX due to me being hospitalized for XXXX XXXXXXXX the previous month before making it impossible for me to make the payments on time for both instances. I reached out to XXXX  XXXX bank and informed them of the situation and they said that is understandable and can remove it or stop reporting it as late but I need to file a dispute with the credit bureaus. I did this to no avail, in fact, each time I dispute it they close it with in XXXX with no seeming investigation.
Product: Credit card or prepaid card

Was in a cafe in XXXX and was charged {$120.00} euros for a bruschetta and 2 XXXX which equals XXXX euros. The cafe didnt give me my receipt and took advantage of the fact I didnt speak XXXX when I asked. Citi refuses to support my dispute for the charge even though I am trying to only pay for what I ordered because I dont have a receipt with the items listed because the cafe REFUSED to give me one. I submitted the menu prices as proof and they still sided with the merchant after investigating for 2 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Its auto services on my XXXX  report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX On XX/XX/2019, on my XXXX  report also hard pulls, XXXX XXXX twice, Exeter Fin, XXXX XXXX I dont understand how they get on my credit report I never approved or signed anything I dont have nothing from these people saying they running my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions. 

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX NJ XXXX ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX