23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had an " Auto-Pay '' schedule on my NAVIENT serviced Federal Student Loan ( FFELP ) for each month in the amount of approximately {$120.00} since XXXX. I have not touched this Auto-Pay schedule or amount and have allowed the monthly payment to debit from my bank account. 

Without my knowledge or consent, NAVIENT changed the Auto-Debit amount in XX/XX/XXXX to {$58.00}, thereby hitting less of the principal and extending the life of the payments of the loan. By doing this, NAVIENT enabled more profit onto themselves at my detriment. 

The only way I found out this happened is that I reviewed my bank account and wondered why the amount paid to NAVIENT was lower than usual. 

NAVIENT also makes its website very difficult to change the auto-pay schedule back to its original amount and one has to navigate through new prompts and de-activate the current auto-pay schedule and re-enter bank account information to re-enable a new auto-pay amount. By doing this, NAVIENT is encouraging borrowers to not increase their auto-pay scheduled amounts. As a measure to protect myself, I added a few extra payments into my loan ( in addition to the Auto-Pay ) because I could not figure out how to change the Auto-Pay amounts easily. 

I find this practice from NAVIENT to be deceptive and manipulative, and I am saddened at all the other loans they have reduced auto-pay amounts and borrowers who have not yet noticed.
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 1681e ( b ) Accuracy of report Whenever a consumer reporting agency 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.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I have XXXX different accounts on cash up and they are not trying to help me with accessing them because I forgot my email but I know my name date of birth and social security number and all the addresses where the cards were sent to and they're still not helping me cash app support is denying me service without those those things I asked to speak to the manager if they can further assist me with cash app and contact support cash and they denied me to speak with the manager one of the guys names from cash up was XXXX he told me that he wasn't able to connect me with the manager unless I was a customer but I am a customer that's why I have XXXX cards with them well not to but XXXX cards with them and I have a balance of {$10.00} on one of them and they're denying me service or help is there any way you guys can help me
Product: Credit card

On XX/XX/XXXX I received an email from a merchant ( XXXXXXXX XXXX XXXXXXXX XXXX ) for a purchase of {$140.00} I did not make. I immediately got on the phone with Citi, the issuer of my Best Buy VISA card, and let them know of the fraudulent charge. While I was on the phone with the representative, they informed me that my card was being used again, fraudulently, as I was speaking with them. They immediately closed my card and issued a new one. After an investigation, Citi issued a credit for the fraudulent charge a week later, on XX/XX/XXXX. 

On XX/XX/XXXX, Citi reinstated the charge, ( later ) citing the merchant 's evidence of this being a legitimate charge. I have not received this evidence, but was told it was coming to me in the mail. Regardless of the so-called evidence, it was a charge that was not made by me. As I explained to the Citi representatives, I was on the phone with them while another fraudulent charge was being made. Additionally, I had multiple previous fraud attempts, a few days prior, on cards from a different issuer ( XXXX ), including XXXX for the same merchant ( XXXX XXXX XXXXXXXX XXXX ). 

XXXX correctly, and immediately, recognized these transactions as fraudulent and resolved them without me having to take further action. With Citi, I had to initially wait for over a week for an " investigation '' to complete before I was credited back the {$140.00} charge. Then nearly a month later I'm blindsided by seeing that very same charge reinstated in my account, without any formal communication from Citi as to why. I had to call them to learn that the merchant disputed my original claim, and I still have yet to receive any documentation whatsoever. 

I understand that banks will have different policies and procedures when dealing with fraud. I'll admit that I have limited understanding on how banks are regulated in this regard. However, the stark difference between how XXXX and Citi handle the same case shows the difference between pro-consumer and anti-consumer corporate behavior. I've already spent several hours of my time with Citi over one simple, clear-cut case of fraud. And I still sit here waiting, frustrated and angry, for Citi 's justification of their enablement of credit card fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} 10/22 15 U.S.C, 1681section 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 following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage on XX/XX/2018 via wire transfer guaranteed funds. My credit report is now showing 30 days late. Ive mever been late
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed XXXX on 4 different occasions in regards to an account with XXXX that reflects negatively on my credit report. I have elaborated with the company I have been a victim of identity theft and requested that XXXX investigate the following matter and remove the account. I have never received any rebuttal from the company which leaves me with no option but to reach the CFPB. 



XXXX XXXX XXXX
Product: Credit card or prepaid card

Cash App ( Square Inc. ) are refusing to response about a chargeback request on a transaction after a month. 

XX/XX/XXXX I paid {$80.00} using the card to a seller who then immediately deleted their webpage and never provided the order. 

XX/XX/XXXX I reported this on Cash App using the " Dispute a transaction '' option. I was told I would be contacted by email. One month later I have not been contacted and nothing is in spam folder. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 


It has now been one month and I believe Cash/Square are intentionally avoiding chargeback claims so that they keep the commission on the transaction.
Product: Vehicle loan or lease

There are a couple of issues with this loan : 1. The car is a lemon. They sold this car to me XX/XX/XXXX for over $ 14k. Trade in value for this vehicle on XX/XX/XXXX is $ XXXX. I have tried to trade this vehicle in and even refinance it to get a lower interest rate several times and it is impossible to get anyone to even look at it. I still owe almost $ 12k on this vehicle over 3 years after purchasing this car. 

2. I do not believe that payments are properly being applied to interest and principal. I do not see where my down payment was even applied to principal when I first took out the car in XX/XX/XXXX. This payment was reversed out of their system and it appears that I was paying monthly payments as a down payment in XX/XX/XXXX.

3. I got behind on making payments in XX/XX/XXXX and had asked several times that Bridgecrest assist me with getting caught up. I was unemployed from XX/XX/XXXX-XX/XX/XXXX and then got a full-time job at the end in XX/XX/XXXX. I asked for their assistance with a forbearance or something that would keep me caught up and they refused to help until finally a call to a rep in XX/XX/XXXX got me caught back up and paying on schedule. I was still making payments throughout XX/XX/XXXX. They reported me late to the credit bureau 6 times in XX/XX/XXXX and I do not believe they should have if forbearance options were available the whole time.
Product: Credit reporting

I have previously got assistance for this same information. Chase back issued a XXXX on XXXX accounts I had with them. Upon completion of your investigation they were removed. As of today, they have reinserted the information on my credit report. Please look into this matter. I am trying to purchase a home and this information is hurting my chances. According to information I have researched, Chase can be sued for this action, please advise if this is the case. Thank you.
Product: Credit reporting or other personal consumer reports

I have not supplied proof the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXX {$22000.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect late payments with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Vehicle loan or lease

I paid off my quoted payoff to hyundai motor finance on XX/XX/XXXX and was told i was told i would get my title in 3-5 business days .month passed by, i would call and get a generic response oh it's in process and the you should get it soon. Then more than a month later they added another XXXX $ to the quote saying oh this is the actual quote even though on XX/XX/XXXX i was given a different quote earlier. I even paid off that amount. Now they they still haven't released my title, the call to their lease end and customer service just ends in the same generic response. 
They are sitting on XXXX  of dollars of my money and not releasing my title. I can't sell the car. I can't even get a car tag without the updated title causing undue distress.
Product: Debt collection

XXXX Subject : Cease and Desist Request Incorrect Credit Reporting Dear Sir/Madam , I am writing to formally request if you can write a cease and desist to the below creditors from reporting inaccurate information on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and verifiable information reported on my credit file. 

I have noticed the following erroneous items on my credit report : CKS Prime Investments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies are inaccurately reporting information on my credit report. 
These inaccuracies are harmful to my credit standing and are not an accurate reflection of my financial history. I have already taken steps to dispute these items, and despite this, the incorrect information continues to appear on my credit report. I request that you cease any future reporting of these inaccuracies and immediately remove them from my credit file. 

Please be aware that continuing to report false information can have legal repercussions under the FCRA, including potential lawsuits and penalties. I trust you will act promptly to correct this issue. Please confirm, in writing, that the above-mentioned items have been corrected and will no longer be reported. 

. 

Thank you for your immediate attention to this matter. 

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX XXXX XXXX  pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a XXXX XXXX letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

i have called them to let them know this is not mine .i have no knowledge of this company.. it was erased then put back on my credit report. 

( 15 usc 1692g/ 15 usc 1692 c ( c ) )
Product: Debt collection

In XX/XX/2016 while I was stationed in XXXX XXXX, I received a debt collection notice via mail from XXXX XXXX XXXX in the amount of {$150000.00}. Ive never heard of the company so I did research and found they were a collection agency for a copy called XXXX as indicated on the debt collection notice. At this point I had no idea what either company was, why they insisted I owed them money or what the money they claimed I owed was for. I spoke with a representative from XXXX, XXXX XXXX which informed me that the collection was for 2 XXXX Franchise locations. I explained to him I had no know of either. He proceeded to tell me that my signature is on the franchise agreement documents. I told him thats not possible because Ive never signed any agreements. He then said that my signature was only on 1 franchise location versus 2 and removed 1 entry off of the credit reporting agencies. I requested a copy of the alleged signature and what I received had absolutely no match with my authentic signature. This is clearly a case of forgery and fraud! Ive submitted a copy of the police report to XXXX XXXX and was told that it did not matter the collection would still be reported. AWAs client has no validation of my signature. No picture ID card, nothing notarized not to mention I was 2 states away on a military installation when this alleged signature was signed. Both XXXX Franchise and AWA are in compliance with allowing fraudulent signatures to be used on their documents! They do no verify nor authenticate signatures prior to issuing {$150000.00} loan. They have pathetic business practices! They can not produce ANY documentation other than a fraudulent signature. No copy of photo ID no notary, just a forgery. This fraudulent account needs to be removed ASAP!
Product: Debt collection

XXXX - Received collection letter from MS Services LLC in regards to XXXX XXXX XXXX XXXX - CHECKING OR, Amount Due {$5000.00}, Account # XXXX. 

XXXX - Sent Response notifying XXXX XXXX to CEASE & DESIST collection attempts, Validate debt and not to report to the credit bureau reports since debt is not valid. XXXX XXXX has been reporting to bureau 's since XXXX??? 
XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE FROM XXXX XXXX XXXX - Sent SECOND letter notifying XXXX XXXX to Validate debt and not to report to the credit bureau reports since debt is not valid. XXXX XXXX has NOT removed reporting to credit bureau. 
XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE FROM XXXX XXXX XXXX - Sent THIRD letter notifying XXXX XXXX to Validate debt and not to report to the credit bureau reports since debt is not valid with notice of intent to file a complaint with the FTC. XXXX XXXX has NOT removed reporting to credit bureau. 
XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE FROM XXXX XXXX XXXX - Sent FOURTH letter notifying XXXX XXXX that a complaint has been filed with the FTC and not to report to the credit bureau reports since debt is not valid. XXXX XXXX has NOT removed reporting to credit bureau. 
XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Today my Huntington Bank checking account allowed {$350.00} of fraudulent transaction using my checking account number and routing number. Two months ago they allowed over {$500.00} from my debit card. My funds are not safe with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN was stolen and used to buy a phone from XXXX XXXX XXXX. 

Now XXXX XXXX XXXX has sent a collection agency after me, which has adversely affected my credit score. 

This happened AFTER I put a fraud alert on my credit report.
Product: Mortgage

We wanted to pay off our loan in XX/XX/XXXX. In order to do so, we needed to have a payoff quote. Freedom mortgage charged us {$30.00} to get the payoff quote. Our loan was transferred to Freedom Mortgage in XX/XX/XXXX after our existing company, XXXX, sold our loan to them. To our knowledge, there was no payoff quote fee for XXXX, and therefore being a " new '' customer to Freedom Mortgage, we were asking that the {$30.00} fee be waived since our previous mortgage company did not charge us a fee. After speaking to several Customer Service Specialists, we were finally able to have the fee waived on XX/XX/XXXX. 

However, upon payoff of our loan, we were still charged {$30.00}. We called Freedom Mortgage 's customer service and the customer service rep did see that the fee should have been waived and advised us to write an email to XXXX to get this resolved. There is no way to speak to someone to resolve this by phone -only by email. An email was sent XX/XX/XXXX. 

Freedom Mortgage said it would take up to 30 days to resolve the issue. After the 30 days passed, we called Freedom Mortgage customer service on XX/XX/XXXX. The representative, XXXX ( # XXXX ) told us that she also saw that the fee should be waived but she was told we were denied because Freedom Mortgage can not refund the recording fee. I told her that this was not the recording fee, but rather a fee that Freedom Mortgage charges us just to payoff the loan, even though we were told there were no fees for paying off a loan. 

Since Freedom Mortgage considers this a closed matter, we decided to file a complaint as we feel they were intentionally misleading us and constantly changing their flimsy explanations.
Product: Debt collection

We withdrew our children from this school because they were not receiving an adequate education. At the time of withdrawal, we ensured all fees for the time they attended were fully paid. Despite this, the school is now attempting to collect additional fees for services that were not earned or provided. 

This is unfair and inaccurate, and we are requesting that these unjust charges be removed immediately. The continued attempts to collect this amount have caused unnecessary stress and damage to our credit report. 

We ask for the CFPB 's assistance in resolving this matter and ensuring the erroneous charges are removed.