23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan was recently moved from XXXX to MOHELA. We were told our plans would remain the same, but since I was paying interest only my new bill is now almost {$100.00} higher. This is largely due to XXXX suddenly doubling my interest rate claiming prime rate hikes last year or so ago. I was in grad school and they immediately doubled my rate after graduation when my loans restarted. 

When I called MOHELA today, XX/XX/XXXX, I received a very unhelpful customer service rep. She said XXXX is still the owner of my loans and even over XXXX Navient reps are now working the loans for MOHELA. If the Consumer Financial Protection Bureau has cited XXXX has " abused students '' in their recent ordering of Navient to not handle loans anymore, then why are Navient people still working my loans? The abuse just continues. 

When asked for repayment options, I am only provided an interest only option when previously I qualified for a rate reduction- which was just my normal rates before XXXX increased them. When I asked why I was unable to receive the interest reduction she started citing I received it back in XXXX and more and it only lasts so long, etc. I have no forbearance or other help because Navient misguided me for years on repayment options- a well known issue. Additionally, I asked why my rate has not been reduced to reflect the rate cuts in XXXX. I was told " it takes time. '' My credit cards and anything else based on the prime rate were cut immediately. Two months later and still a XXXX and 11 % interest rate, which is absurd! But I keep receiving refinance options from XXXX, so they can help if they want to, but only if you take a hit on your credit to reduce your loan burden. 

I was told I could call back in XXXX and see what options I have, that is varies month to month. Why is it so hard to get help and why does it vary month to month? My federal loans are not this hard. 

Furthermore, I can not get my stepdad from when I was XXXX off of these loans as a cosigner without jumping through hoops. Because they keep putting me on interest only, I can't " qualify '' to get him removed even after making qualified payments because it has to be 12 months consistently and subject to yet another credit check. 

This is hurting student loan borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2022
Product: Debt collection

Portfolio Recovery - XXXX XXXX - is reporting on my credit report erroneously for one ... They are reporting multiple times and different info on my report. 
This debt is over 7 years old and past the statute of limitations. 
For 2 this was an erroneous small interest charge that was billed when I was XXXX. And per the SSCRA they can not charge fees or interest when out on orders. 
THis was not valid in the first place and illegal ... and the debt is now so old it is past the statute of limitations. 
I served our country and this is ridiculous. Still fighting this for all these years
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX : {$710.00} CONNS XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$2800.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX  XXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

Seeking prompt federal resolution for unapproved addresses and credit accounts. 

My credit report shows accounts I didnt authorize, violating the Fair Credit Reporting Act ( FCRA ) and harming my finances. Despite contacting TransUnion Intermediate Holdings , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, unauthorized accounts from XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX I request the CFPB along with the use of the Federal Trade Commission ( FTC ) to enforce my rights under federal guidelines, ensuring these accounts are removed immediately to protect my financial health. 

Urgent federal intervention is needed to uphold my consumer rights by deleting these addresses and accounts swiftly.
Product: Debt collection

I had a procedure in 2017 at XXXX. XXXX Hospital did not send the bill to my insurer ( XXXX XXXX ) for over 6 months. This voided XXXX 's contract with XXXX XXXX and my insurer refused to pay them. They illegally sent collections after me because XXXX XXXX ( premium PPO ) refused to pay their late payment request.
Product: Debt collection

NCA Acct # XXXX This company has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile along with this Debt Collector, 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me many problems, I can't get good rates on insurance or credit or a loan!!! I want this derogatory information removed from my credit profile because I did not give consent per 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) compensate me for the violation. Update my credit profile, I want Everything in writing also the investigation 15 USC 1681j 12 CFR Part 1022, Subpart N, ( C ) Nation-wide specialty consumer reporting agency, 15 USC 1681i ( iii ), ( 7 ) Description of reinvestigation procedure no later than 15 days ( 8 ) Expedited dispute resolution ( e ) Treatment of complaints and report to congress, it's not accurate 15 USC 1681 ( a ) Accuracy and fairness of credit reporting.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Checking or savings account

I have work to pay to balance my account since the account opening around XXXX. Recently my full-time job assignment ended XX/XX/XXXX, and I'm still waiting to obtain another full-time job. My current employer organizations have been affected by Coronavirus and are currently closed.
Product: Credit card

I purchased an item from XXXX on XXXX for {$220.00} Order # XXXX. My form of payment was using the AFFRIM XXXX  Card. 
On XX/XX/2024 I returned the item and XXXX received it on XXXX. They refunded {$220.00} back to the AFFIRM XXXX  Card. 
My complaint is with AFFIRM. They are not honoring this credit & saying there is a {$2.00} discrepancy. They tell me that I will have to pay them {$220.00}. 
I have documentation of the item shipped, received. And where XXXX credited back Affirm. I also have a screenshot from the AFFRIM XXXX showing where this {$220.00} is pending, but they will not release this pending because they say it is the wrong amount.
Product: Bank account or service

I was involved on an online dating site scam, which I deposited {$33000.00}. into XXXX accts thru Wells Fargo.The accts were XXXX XXXX XXXX XXXX. Acct. # XXXX Routing # XXXX -XXXX and XXXX XXXX XXXX, Acct. # XXXX Routing # XXXX XXXX. 
XXXX XXXX XXXX ( was the person, fictious person ) Through the police dept ( which is still working on the case ) told me that those XXXX accts were involved with money laundering, exporting cars to XXXX. These types of people need to be arrested and Charged and to pay monies back. I can almost guarantee that I am not the only person this has happened by these people. It is very sad that rings of this nature get by, with stealing monies from innocent people, as myself, who has worked all my life, to get where I am at, and to get scammed by dirt bag people. 
On XX/XX/XXXX16, I went to WF and told them, that I got scammed, and they told me they were able to locate accts and monies were in accts put a HOLD on that MONEY. I was dealing with XXXX XXXX, ( branch manager ) at WF at XXXX XXXX XXXX, XXXX, XXXX XXXX. She told me at that point that they were going to get ALL my MONIES back. 
After dealing with her for a couple of wks and sending police report to corp. it didnt look good, but they were trying to get SOME money back. Why Why, would a branch manager tell me, they were going to get the money, when they had no intentions of doing so. Through many oganizations that I have contacted, I have asked, for information, of what protocol they followed and step by step of what they did to get my monies back, never received anything, except, I should follow up with authories. On XX/XX/XXXX16, XXXX administrative assistant called me to inform me that XXXX was to call next day to give me more info, never heard from her. I called XXXX twice to say I was very dissappointed because I never received a call, nor did I hear back from XXXX .... Makes you really wondering, what kind of operation they are running. 
Which now leads me to believe that I through WF became a viticm of their scams, that they used on their customers, of stealing personal info, and making false credit cards and stealing millions of $ $ XXXX They have not proved anything to me. 
Which now after hearing about the crimes they have committed, stealing from their customers and making fake credit cards, I have reason to believe that they took my MONIES, that they soooo promised me, and used it for this purpose. They should be shut down as a company, but all they could do, was to say sorry, and pay a fine. REALLY????? 
I feel I became a viticm of WF fraudulant actions and improper practices. It was easy foe them to do ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

There is someone in XXXXXXXX XXXX XXXX XXXX that keeps using my social security number. Ive had it removed and freezes put on my reports but his information keeps popping up using my social security number. Ive contacted the police, credit bureaus, and all. He has a lot of names and addresses connected to him and his address. I live in XXXX
Product: Checking or savings account

Ive been awaiting a response from XXXX XXXX about receiving my funds from my business account they closed subjecting it to fraudulent activity. I was told he would be out of the office for a week but still havent received any follow up. The account was opened under sole proprietor and my social. I had no issues opening the account nor had any issues once my account was funded. I have every document they asked for and Im still getting the run around about my account being fraudulent. I even showed the loan status and that I still have to make payments on. Truist bank and XXXX XXXX has not been trying to comply with me and allowing more time to pass by. I am not a satisfied customer of Truist Bank nor would I recommend their services. I was lied to on several occasions and have not received my funds that are owed to me. I now have no more time to wait or waste. XXXX XXXX and Truist bank have placed my life in shambles for the past years.
Product: Credit card or prepaid card

On XX/XX/2021, I just received a notice that I was charged a late charge. I paid a {$500.00} payment on XX/XX/2021 and the payment was not due until XX/XX/2021. This is not right and I owe no late charge. 

This charge is through Capital One. 

Will you please help me? 

Thanks. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting duplicate collections on the XXXX XXXX UNIVERSITY partial account number XXXX. ( Please see pages 28 and 29 of the attached credit report. ) This account reports a {$0.00} balance and a status of PAID. Please keep in mind that it is impossible to owe on an account that has a {$0.00} balance and a status of paid. I have contacted the bureau to correct this, however I have unsuccessful. This incorrect reporting of duplicate collections is harming my credit score and these line items need to be removed from my credit report.
Product: Credit reporting

XXXX XXXX XXXX TN, XXXX XXXX Account number # XXXX No contract or no signature
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX XXXX XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit card or prepaid card

I have been with American Express for more than 10 years and I have had a few or maybe no late fee and interest charge on my card. I an attempt to upgrade my gold card, I was offered to apply for a new platinum Delta Skymile card. Since I had an autopay on the gold card, I thought it will be automatically applied for the new platinum. On XX/XX/XXXX, I saw that there is a {$27.00} charge on my card as a fee for late payment. I immediately called and asked for a courtesy reimbursement which was done, then I realized that there is an interest fee that Amex also applied to my account : {$480.00} ; I called Amex and a lady answer my phone, she told me that they would reverse the fee to my account if I pay the amount due, which I did immediately with her on the phone. She told me that the payment will take effect between 24-48hrs and I should just call after than to get the money back ( she made a note of it ). Today I called to ask for the reimbursement, but this time the customer representative and the supervisor ( XXXX ) I spoke with where no help and drove me to a point where I would like to cancel my card.

They where not understanding and kept interrupting me and going in their own loop. In the end, I hung up frustrated and annoyed. I am using this card a lot for my travelling and others, unfortunately I have to cancel this card, my wife 's and my other blue Amex if no action is taken. I will also take legal actions against Amex and XXXX, because this is unfair and limit taking customer money when you are supposed to be protecting customer 's interest
Product: Credit card or prepaid card

This is my second complaint and I want to know how I can sue my credit card company or take additional steps to get this issue resolved through arbitration. My complaint is for the charge of {$620.00} on XX/XX/2021 from XXXX, we've already established I didn't make the purchase. Barclays however states that while I may not of directly made the purchase my significant other did. This is not the case, I'm not married and have no other authorized users on my account. The email address in question is not mine, the chat conversation produced between the vendor and the subsequent client DID NOT confirm a purchase or download of tickets. In fact the client is UPSET because their were no tickets at all. I've produced proof from XXXX XXXX XXXX stating I made no such download from XXXX or any of their third party sites for such tickets. Barclays is aware of all of this and refuses to acknowledge the facts and take the charge off my account. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email from the XXXX XXXX stating my account had been locked due to multiple failed attempts to access the account. I call as directed and confirmed it was not me trying to access my account. I have not made any charges on the account in over a year. It was confirmed that no charges had been made on the account. I was unable to locate my credit card at the time so the account was closed and another opened. I recently received a credit alert. So, I checked my credit report to find XXXX  and Equifax had dropped my credit score tremendously. Upon reviewing it I realized there were two incorrect reports. Both stated I had an increased balance on the military star card. Yet, both had a previous change of account reported by the XXXX XXXX. I contacted the XXXX XXXX. I was told they only reported a change of account. I then disputed the increased balance with XXXX  on XX/XX/XXXX stating there was an account change and the previous balance was transferred to the new account. I receive a response on XX/XX/XXXX stating the investigation was complete and the information was accurate and would remain on my credit report. There was no new charges my balance did not increase had they contacted the XXXX  it would have been confirmed. I was not able to submit a dispute with Equifax.
Product: Money transfer, virtual currency, or money service

The online cryptocurrency exchange Gemini has frozen my account and is refusing to release the hold on my account. I am unable to withdraw my usd funds and my crypto being held on the Gemini exchange. Gemini has made me jump through hoops to prove that my account has not been compromised. These hoops include changing my password, and sending them a photo of myself holding my driver 's license. I have done all that they ask and they are still continuing to hold my assets XXXX.
Product: Debt collection

XXXX mortgage ceased statement and collection activities in XXXX on a {$20000.00} second mortgage, aggressive illegal collections of time barred debt started in XXXX, with foreclosure law suit.
Product: Checking or savings account

Submitted multiple claims for XXXX, XXXX, and XXXX XXXX wrongful amounts being charged, got some provisional credits, but others have gone ignored. Was told all would have credit within XXXX working hours on recording. Nothing. So Im hoping this will speed things up, already submitted evidence to back my claims.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : 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 bankruptcy dismissed XXXX Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,