23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing to dispute the payment process used by Navient XXXX regarding disclosure of interest charged to my student loans. I have written and verbally asked the company to send monthly statements showing the beginning balancing and ending balancing of the loans. In return, I received unclear information and no documentation about monthly statements pertaining to my student loans. I have checked my loan accounts on several occasions and spoken with Navient customer representative to ensure that my loan is not being calculated in error regarding the interest. I became frustrated when the response to the same question is a different answer. Therefore, I begin sending letters to Navient. However, the information that I am receiving from Navient to explain the accrued unpaid interest is not indicating the monthly beginning and ending balances. At this point, I am reaching out to you for assistance to protect myself as a borrower and to have my complaint filed. The amount that I am disputing is unknown because of the error in the accrued interest that has been calculated by Navient. Moreover, my loan began with XXXX XXXX and XX/XX/XXXX was the first payment and XX/XX/XXXXwas the first payment made to Navient. I want Navient to be accountable of charging what appears to be double interest to my loans and to reverse the interest that is not correct. 
I have been paying principal and interest on the loan but the total amount has continued to increase ( i.e. accrued unpaid interest dated XX/XX/XXXXin the amount of {$570.00} ). I 've called the customer service department on several occasions to receive an explanation and have not been given a satisfactory answer to why the total amount continues to escalate. Also, I 've asked for paperwork showing how interest was calculated for my loans and receive an example of a random account situation, which did not assist me regarding my account. I received history balance documentation dated XX/XX/XXXX on my account, but not an account statement that indicates start and ending balances.
Product: Credit card or prepaid card

i have been calling american express for atleast consective months, that i small part time business was closed due to pandemic guidelines as per the state and fed govt. 
and, i wont be able to make pymts for atleast 6 to 12 months.because i being head of household, and no other source of income. 
they did not care too much about my request.only after 2 months of postponing, they have been calling my home like crazy for money! 
they expect that, all will be well in just 2 months! 
my old mother at home gets disturbed my their annoying calls everyday. 
i cant keep explaining same situation every month, the way they expect us to. 
thats rude, insensitive, and mean on their part. 
i already told them, that i wont be in a position to pay them till next yr, because i have thousands of $ of lost income, and urgent bills. 
they dont care .please let everyone know, that this co american express is extremely insensitive about pandemic, and rude. 
and, they rushed to even cancel my card? 
and they want to setup some impractical payment plan with me, on their terms.i already told them, that i can not do any pymt plan at this time. 
and that pymt plan is not even a reasonable plan! its only {$50.00} less than what i was paying earlier!!! 
so, they are making fool of customers in the name of payment plan. 
please take action against them, AND THEIR UNJUSTIFIED COLLECTION ACTIVITY. 
thanks
Product: Credit reporting or other personal consumer reports

Re : Dispute of Portfolio Recovery Associates Account - Account Number : XXXX Dear XXXX XXXX XXXXXXXX, I am writing to formally dispute the inaccurate information reported on my credit report regarding the account listed with XXXX XXXX XXXX ( Account Number : XXXX ). 
Reason for Dispute : Inaccurate Account Status : The account is marked as Collection, despite being closed. According to the Fair Credit Reporting Act ( FCRA ) 605 ( c ), closed accounts should not be reported as still active or ongoing collections. 

Incorrect Balance Reporting : The reported balance of {$230.00} conflicts with the accounts closed status. Closed accounts should reflect a {$0.00} balance as per FCRA 605 ( a ). 

Incomplete and Inaccurate Payment History : The payment history for the years XXXX and XXXX is incomplete, with no reported payment activity. However, the account continues to reflect a delinquent status, which is misleading for a closed account. This violates FCRA 611 ( a ) requiring accurate and up-to-date reporting. 

Failure to Reflect Closure : The account status should accurately reflect the closed status, free from any ongoing delinquency or collection status. 

Misleading Credit Limit and Account Details : The account has not clearly outlined a consistent or accurate credit limit, further exacerbating the confusion regarding the accounts status. 

Demand for Immediate Action : Given these inaccuracies, I am requesting the immediate removal of this XXXX XXXX XXXX account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ), which mandates the correction of inaccurate information.
Product: Debt collection

I previously filed a complaint against AMERICOLLECT, requesting they validate and show proof of alleged debt that they are reporting on my credit file and they were unable to validate. 

At this time I will inform you that if your offices continue to report invalidated information to any of the XXXXhree major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

Details of the Account in Dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : The account is invalid and should not be reported. The collection agencys inclusion of this account potentially violates HIPAA protections by improperly handling or disclosing medical information. 

Dispute History I have disputed this account in XXXX and XXXX with Experian, XXXX, and XXXX. Only XXXX has handled the dispute properly by deleting the account from my credit report the first time it was disputed in XXXX. Both Experian and XXXX, however, have marked the debt as verified without providing adequate documentation to substantiate their findings. I have disputed this several times over the past XXXXXXXX XXXX. 

FCRA Violations The continued reporting of this invalid account and failure to provide proper verification constitutes a violation of the FCRA. Specifically : Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable investigation of disputed information.

Section 611 ( a ) ( 6 ) ( B ) : After completing an investigation, the agencies must provide a written explanation of how the information was verified and the method of verification.

Section 609 ( a ) ( 1 ) : Consumers have the right to request and receive all information in their credit file, including the documentation used to verify disputed accounts.

Section 623 ( a ) ( 1 ) ( A ) : Data furnishers are prohibited from reporting information they know or should know to be inaccurate.

Section 623 ( b ) : Upon receiving notice of a dispute, data furnishers must investigate, correct any inaccuracies, and report the results to the credit reporting agencies. 

Requested Documentation for Verification If Experian and XXXX intend to continue reporting this account, I demand the following verification documents : Proof of Debt Validation : -A copy of the original agreement or contract between myself and the original creditor.

-Any detailed statements, invoices, or payment records supporting the balance owed.

Verification Details : -A description of the steps taken to verify the debt.

-The name, contact information, and address of the original creditor or collection agency responsible for the verification.

Evidence of Compliance with HIPAA : -Confirmation that no sensitive or protected health information was disclosed or misused during the collection or reporting process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report. This is a DIFFERENT CASE, SEE ATTACHMENTS. I tried to get it investigated via mail on XX/XX/2023, however, Experian sent me an email stating that it was not me who sent the letter - BUT IT IS ME. Experian did not open disputes as requested. However, I called them and they said they could not process my letter dispute, they still haven't opened disputes to investigate. I will be attaching the email from them that they sent on XX/XX/2023 and the dispute letter that I sent on XX/XX/2023 originally. My license and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!
Product: Checking or savings account

On Tuesday XX/XX/2022 at approximately XXXX PST, I, XXXX XXXX XXXX received a notification from my Chase mobile banking app that a representative of Chase is trying to reach me at a physical Chase branch, and the app was trying to confirm my presence at a this branch. I opened the app to respond to this notification ( that I was at work and not physically at any Chase branch trying to talk to any representative ) and noticed multiple unauthorized transactions, mainly withdrawals starting from XXXX for a total of {$7300.00}, and an additional fraudulent " credited '' deposits from unrecognized individuals for a total of {$2800.00}. 

I alerted Chase of these fraudulent transactions on XX/XX/2022 and file the " unauthorized signature or forged item declaration '' on XX/XX/2022. My Case number with the Chase Claim department is XXXX. Account number XXXX. 

Of note, I had another incident of fraudulent transactions at Chase on XXXX on my old account. I alerted Chase, which the bank did resolve the issue. I did tell Chase multiple times that the impersonator might have a forged/stolen ID and that I now live in XXXX, CA, whereas the forged/stolen ID might reflect the address in XXXX, CA where these transactions were made and I no longer live in XXXX, CA. My address with Chase is also in XXXX, CA. I do not know how Chase allows these fraudulent withdrawals to happen again now that my husband and I opened a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$4100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a lease with an apartment lease and lived in the unit for the full term of the lease. I provided proper notification well within the time allotted per the lease agreement to vacate and therefore there is no outstanding balance due and nothing to collect and/or chargeoff. I was not aware there were any issues and that this account had gone to collections until I obtained a most recent copy of my credit report. I have contacted the bureaus and XXXX XXXX XXXX to fix this however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.
Product: Credit card

Although I had a XXXX score of XXXX when FNBO checked my credit rating and I provided the previous year 's tax return, and XXXX years ( XXXX & XXXX ) social security award letters, the representative who called me on XXXX said the reason I was denied was that I did not provide the XXXX tax return and also FNBO did not accept Social Security award letters as valid proof of income. At this point, my application was denied finally. 

I applied for the XXXXXXXX XXXX  card on XX/XX/XXXX during a promotional period in which XXXX points were being offered for the timely application and {$2000.00} purchases within 3 months. 

That same day, my XXXX XXXX XXXX was checked and shortly afterward I received a letter asking for the previous XXXX year 's XXXX forms, copies of my driver 's license and social security card. 

In response to this letter, I responded that I was a retiree since XX/XX/XXXX and that I was instead providing the XXXX most recent Social Security Benefit Verification Letters ( XXXX & XXXX ), the front sheet of my XXXX tax return and other XXXX income.
Product: Debt collection

This debt is not mines. The account isnt mines and should be removed immediately
Product: Debt collection

Account Resolution Services XXXX XXXX XXXX, FL XXXX XXXX ARS Collections Inc reported an unpaid medical cost to XXXX  in the amount of {$1100.00}. This was a portion of a medical cost associated with a VA benefits issue which ultimately the VA would not cover. I was only made aware of this in XX/XX/XXXX by US mail from ARS advising me of it and that unless it was settled it would be eligible for credit reporting. Yet it appears that ARS reported the unpaid medical cost to XXXX  in XXXX before making me aware of the problem according to both my XXXX XXXX credit score account and my XXXX XXXX account. 

Regardless, I owed this amount since the VA would not cover that portion of the medical bill. Upon becoming aware of it through XXXX XXXX on XX/XX/XXXX when my hard earned credit score was dinged by 73 points, I immediately contacted XXXX with ARS Collections and paid the full amount on XX/XX/XXXX. In addition, I was told by XXXX at ARS on XX/XX/XXXX that ARS would report the payment and debt satisfaction to all ( 3 )  major credit reporting agencies within 24-48 hours and that I would receive notification of same from ARS in writing within 7-10 days. Neither of those events has happened which I have confirmed with the 3 major reporting agencies and having spoken a 2nd time on XX/XX/XXXX to XXXX at ARS Collections who confirmed that no letter of satisfaction had been sent and that they only reported debt satisfactions at the end of of each month. 

For over 30 years I was a " cash only ' consumer, no credit cards and I had no debts. I owned my home, my vehicles, have always paid all my service providers on or before their due dates. In late 2017 at the encouragement of a financial advisor, I applied for and received an equity loan against my home to establish a credit score which previously was '0 ' with no negative or positive history XXXX a ghost they told me. Since being given the equity loan and having paid that mortgage prior to each months due date, my credit score had risen to just short of 650. Not great but certainly a start in the right direction and credit card companies were just starting to solicit me with offers of guaranteed lines of credit at various interest rates. 

This is the way it is in America today. Middle class Americans working hard, trying to improve themselves while the financial and credit systems continue to beat them down. As as veteran I have always supported my country and believed it to be # 1 in the world. That opinion is changing as I continue to nurture my wisdom in my later years of life with " wide open eyes '' from many years of life experiences and seeing the changing realities of America today.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX XXXX XXXX has two account on one report account number are XXXX and other report account number is XXXX neither accounts are mine
Product: Credit card or prepaid card

Hello, I would like to complain about Chase. I pay for a XXXX XXXX XXXX credit card, and this card comes with benefits such as a free XXXX XXXX subscription that allows its holder to visit airport lounges for free with 1 guest. 

On XX/XX/2020, my wife, our XXXX children and me visited such an airport lounge, as we do often. When visiting, I presented my XXXX XXXX card, as did my wife. In addition, our XXXX children should not have been counted, as they were respectively XXXX and XXXX XXXX XXXX. So we effectively counted as XXXX adults entering the lounge, while we showed passes allowing up to XXXX people to enter for free. This happened twice at the same lounge, on the outbound and return legs of our trip ( at the same lounge ). 

Somehow, the opposite happened : both times, the lounge staff let us in without telling us anything, but I was charged {$54.00} for " excess '' guests on my Chase credit card. The charges on the Chase credit card don't mention any reason for the charge nor the merchant, and Chase doesn't allow these charges to be disputed as they are regarded as " benefits '' ( at least that is what I was told ). 

I called Chase and complained about the charges, and when it became clear that these two charges were for lounge access and I understood what trip it related to, I explained the situation. I provided evidence to Chase regarding the number of people travelling that day, the fact that my wife allowed to enter for free with 1 guest, and the fact that our children should not have been counted to begin with as they didn't meet the age threshold to count as a guest. 

In XX/XX/2020, Chase refunded the charges for 1 of the visits only. I called Chase back several times to have the other visit also refunded, but Chase has refused to do anything about it. I have repeated asked Chase for any proof that we agreed to the charge, such as a signed receipt or pin I entered ( as I know we were never told about any charge at the lounge, as we would have immediately objected ) and Chase has never been able to provide one. Chase has effectively refused to fairly evaluate the charge, which I can only presume is because Chase is both acting as judge and party ( the charge is effectively for a " benefit '' they offer ). 

Chase has told us we would have to take up our complain with the lounge, but refused to give us any contact information for the merchant and information that would enable the merchant to identify the charge- we called the lounge ( we think ) the charge relates to, but they obviously have a hard time adjusting the charge if the only information we can give them is " we had a charge show up on our credit card, but no reference for you to look us up amongst your thousands of visits '' ...
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am with deep concern regarding unauthorized accounts that I recently discovered on my credit report. These accounts are not mine, and I promptly reported this issue to XXXX. However, I have not received any response or action from their company to address this critical matter. 

This lack of response is unacceptable and has left me extremely frustrated. It is their responsibility to investigate and resolve disputes promptly, yet my concerns have been ignored. These inaccuracies are affecting my financial well-being, and I demand immediate action to resolve this situation.
Product: Credit card or prepaid card

Bank of America representatives insisted that our family use the Cash Reward Card ( rather than the Travel Rewards Card ) because it offered the consumer the best rewards points value. That repeated recommendation from Bank of America management was wrong and over the past 5-7 years cost our family approximately {$1500.00} in cash rewards.

Approximately 10 years ago my wife and I deposited money with Bank of America for the first time. We were planning to travel to visit our daughter doing a semester abroard and were encouraged to transfer all our credit card activity to Bank of Americas Travel Reward Card. Over the past 10 years we estimate that we have had transactions on BoA credit cards ( Travel and Cash Rewards ) totaling approximating {$500000.00}.

Several years later another BoA associate ( whose name I have in file ) made the specific recommendation for us to switch our activity to the ( then new

) Cash Card since our travel had ceased and it was supposedly a better deal. The logic had to do with us being preferred members and therefore able to take advantage of the tiered pricing benefits the Cash Card had to offer. We stayed true to that recommendation ( for approximately 5 years ) until approximately 4 months ago when we happened to meet with yet another informed BoA customer representative who admitted her colleagues gave us bad advice. Even on this day, when one representative told us her colleague had given us bad advice, another colleague in the next cu bicle ( again ) wrongly suggested that the Cash Card was still the best place for our family despite my growing concern that we may
be leaving reward points unrealized. It was as if the line was pre-programmed.

When we finally had our spending habits reviewed it became clear that the Travel Reward Card had been the better deal all along ( e.g. past 5-7 years ). With the facts and data this young lady provided, along with the suggestion that we should put our complaint in writing, we estimated that our lost opportunity not transacting with the Travel Reward Card cost the XXXX family in excess of {$1500.00}.

I have since reviewed the brochures that are given to consumers for compliance reasons. They are extremely confusing and for the lay person I find it very difficult to run comparative analysis on which credit card is best for my family. If this misleading information has been given us could it also be happening with others?
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX.