23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 USC 1681. 

1 ) XXXXXXXX XXXX XXXX, XX/XX/XXXX, account # XXXX. 
2 ) XXXX XXXX, closed XX/XX/XXXX, account # XXXX 3 ) XXXX XXXX, XX/XX/XXXX, account # XXXX 4 ) XXXX XXXX XXXX, XX/XX/XXXX, account # XXXX 5 ) XXXX, XX/XX/XXXX, account # XXXX XXXX ) XXXX  XXXX, XX/XX/XXXX, account # XXXX 7 ) XXXX XXXXXXXX, XX/XX/XXXX, account # XXXX 8 ) XXXX  XXXX, account # XXXX 9 ) XXXX, account # XXXX 10 ) XXXX XXXX XXXXXXXX, closed XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

My student loans were bought by Navient several months ago. I am on an income-based repayment plan and have been since XXXX. My payment is {$390.00} per month. My IBR plan application renews every XXXX and I always send my application in extra early. This year I faxed my application with income verification to them on XX/XX/XXXX. On XX/XX/XXXX, I received email confirmation from Navient that they received my application and that it would take 32 to 35 business days to process. Recently, I received another email from Navient stating that my payments were increasing to {$880.00} per month. I tried to email Navient and the email came back to me, stating that I could not respond to their email. I tried calling Navient and did choose IBR plan on the phone tree, hoping to speak with someone, but instead, got an automated message stating only that I could download the application from their website. I didn't need an application, as I had already downloaded one from their site and faxed my IBR app to them two months previous. There were no options on their phone tree to speak to a CS rep ( I tried pushing zero and using voice activation to request to speak to a rep but the call was simply terminated ) or communicate via email with Navient customer service about this issue. On XX/XX/XXXX they have the ability to take {$880.00} out of my bank account without my permission and after apparently not even processing my IBR application or making any attempt to get in touch with me if they did! I can not afford this payment and have no way to speak with Navient about it. I feel this is extremely unethical and egregious. I am including the email Navient sent me on XX/XX/XXXX stating that they had received my IBR application. If there were any problems with my application, no one ever contacted me from Navient. I simply don't believe they've ever processed my application. It's no wonder that attorney generals in seven states are suing Navient for unethical practices! Since Navient refuses to offer a portal to communicate with their clients, I am requesting CFPB fully investigate this matter with my Navient account. 
Thank you very much for your attention to this case.
Product: Credit reporting or other personal consumer reports

I had freezes in place at all XXXX  bureaus. I am trying to get a mortgage so I unfroze my file at each bureau several days ago. My accounts all say they are unfrozen. My mortgage broker is trying to access my credit report but keeps getting notified that my credit report is frozen at all three. 
XXXX : File frozen due to federal legislation Equifax : Report frozen-consumer requested security freeze on his/her credit file-report unavailable XXXX : Report frozen-The consumer has placed a security freeze or lock on this file I have spent many hours on the phone with customer service, speaking with actual humans, at all XXXX bureaus. I keep being told that my files are unfrozen and they can't find any issues. Equifax did at least say that there was some kind of technical issue that they had to fix, but it was supposed to be fixed by now and still is not. 

I am about to lose out on an affordable home despite having great credit because these monopolistic companies are screwing me over. Now I'm lighting candles to XXXX XXXX for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

After requesting my credit report from Transunion, I disputed items on my reports that don't belong to me and therefore considered fraudulent activity using my identity. On XX/XX/2021 I got an update from Transunion when login in to my account. It stated that " I previously resolved XXXX disputes with " Transunion '' : 1 ) XXXX XXXX ( deleted ) 2 ) XXXX XXXX ( deleted ) 3 ) XXXX XXXX XXXX deleted ) XX/XX/2021 4 ) XXXX XXXX ( deleted ) XXXX XXXX 5 ) XXXXn ( deleted ) XX/XX/2021 My chief complaint is that : My credit report hasn't been updated, nor have my credit score. Due to a complaint, I filed against Transunion, I can't help but to think am being treated bias as a for of retaliation against me due to me making complaints involving them. I originally did a dispute in XX/XX/2021 & XX/XX/2021 for all these items to be removed due to fraud!
Product: Debt collection

my son defaulted on a loan with XXXX bank in XX/XX/XXXX. I had co signed for the loan and attempted to pay to stop repo, but they repo after I caught it up. They didnt write off XX/XX/XXXX, but have resold the debt to Dynamic Recovery Solutions who sent a letter telling me they were planning to send me papers of the pending judgement. (? ) I am pretty sure it 's illegal for them to send this to me. I would appreciate any help or advise. I live in Ga and statue is XXXX years. Please investigate for me, this seems like a shady company.
Product: Credit card

Hello, On XX/XX/year>, I rented a car in XXXX using XXXX. I got a confirmation ( attached ), which showed a daily rate of XXXX with XXXX XXXX totaling XXXX ( USD XXXX ) Due at pick-up. 
When I picked up the car on XX/XX/XXXX, the rate was confirmed at the counter. 
I returned the car on XX/XX/XXXX as planned and the estimate of charges said XXXX ( they charged me 5 days, instead of XXXX - the car rental was for 3 days but since I returned XXXX hours later than expected, they were supposed to charge me XXXX extra day, not XXXX ). XXXX is approximately USD {$350.00}. 
A few days later, to my surprise, I saw a charge in my Citi credit card for {$850.00}. I disputed the charge saying that I was overcharged {$500.00} and a couple of days later, Citi said that I am responsible for the charge. 
I contacted XXXX and they said the rate fluctuates and there is nothing in the contract that says that. They also overcharged me for the airport location service, which was estimated at XXXX and they charged me XXXX. 
I submitted another dispute to Citi and now they are charging me twice the amount of {$500.00}. 
In summary, I was supposed to pay about USD {$350.00} and now they are making liable for more than {$1300.00}. 
I have been trying to talk to someone from Citi with no luck. I called XXXX times and they couldn't transfer me to the dispute department. XXXX people gave me a phone number and that belongs to another company. 
I appreciate your help with this matter. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity fraud. I have submitted documentation as in a police report proving identity fraud. I also find problematic that I was a victim of the security breech, which was my drivers license, and these items still have n't been removed. It is an issue that Equifax did not protect my information but yet, still allows these fraudulent items on my credit report. The items that I have disputed are as follows : All XXXX accounts ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and all of those inquiries with the exception of the inquiries from XXXX 2016. 

I have disputed these items multiple times. Multiple times they have been denied. Also I see that Equifax has tried to cover up the fact that the investigation was n't completed within 30 days so they reopened another one to cover everything up. 

I have records of conversations, the numbers of disputes that I have opened, and more as proof. I also have my police report. I am prepared to file a lawsuit against Equifax and I will. I am tired of Equifax playing these games and messing with my livelihood. I do n't appreciate it and I will not sit back and just take it anymore. I will be filing a lawsuit asap because my rights have been repeatedly violated and I am not going to sit here and take this anymore. If you do n't want that lawsuit to happen, you will remove those items asap in accordance with my police report that is attached.
Product: Credit card

In the past six months I have had a number of shockingly large and unexpected interest charges levied on my AMEX account. 

As background, I 've had an AMEX account continuously since XX/XX/XXXX. I run several XXXX XXXX dollars through my AMEX card every year, and I also run a business whose employees use AMEX for corporate travel. I always pay my bill in full each month. 

In XX/XX/XXXX I had a payment of {$21000.00} due by XX/XX/XXXX to avoid interest charges. AMEX received it on XX/XX/XXXX. The interest charge for ten days? {$800.00} or 3.8 % of the amount owed or an annual rate of almost 140 %! In XX/XX/XXXX it happened again. This time, it was interest of {$670.00}. Payment in that case was received by XX/XX/XXXX and was due by XX/XX/XXXX so I have no idea why any interest was charged. There was another charge, ofr {$630.00} ; payment that month was due by XX/XX/XXXX but was not received until XX/XX/XXXX. 

I called AMEX, to no avail -- their customer service reps have no idea how AMEX computes interest, and then wrote AMEX two letters. The response to each was a form letter referring me to the Card Member Agreement. The Card Member Agreement is a ( no doubt deliberately ) obtuse and confusing document ; I say this as a XXXX of XXXX and someone with a XXXX in XXXX who nonetheless struggles to understand what the Agreement says. AMEX divides charges each month into various buckets and then charges different interest rates and fees and penalties on each bucket depending on all sorts of things. Calculating whether an interest charge or a late fee is valid is impossible and trying to dispute it with AMEX is even worse because you need a PhD in the different ways AMEX rips you off to be able to argue effectively with AMEX. 

AMEX ' stated interest rates are usurious and predatory. AMEX for one bucket charges a flat late fee of 2.99 % even if a payment is only one day late! That can be thousands of percent per annum. On other buckets, it will charge a rate of up to 29.99 % per annum -- when interest rates are at historic lows. 

This may all seem like a bit of a rant, but I would urge anyone reading this to read the AMEX Cardmember Agreement. They differ by the color of one 's card. I have the one for a Platinum card holder. It is absolutely impossible to decipher and the result is that consumers can not verify whether anything they are charged is reasonable or, even if it is unreasonable, whether it is consistent with the agreement. Its customer service staff are not competent in this matter, and if you write them a letter to ask about an interest charge, they simply write back saying that all charges are consistent with the cardholder agreement and refer you to the cardholder agreement. They will not address any specific questions asked about a charge relating to interest. 

AMEX clearly engages in unfair business practices by not providing a straightforward basis for consumers to understand what their charges are, and their charges are usurious and predatory. AMEX ' practices are a perfect example of why consumer interest rates need to be regulated again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

After reviewing my report, I noticed that this account is still on there, and it was supposed to be deleted. I further notice that the information that is reporting on there is incorrect and not accurate at all. 

Also the amount reporting is incorrect. 
The dates are all wrong. 

I have also noticed that it states that the company claimed this as a loss of assets which means they receive compensation for it and now its trying to make me pay again to receive double compensation which means this is a fraudulent claim.
Product: Mortgage

In XX/XX/2021 my then mortgage lender, Guaranteed Rate approved a loan modification of 2.875 %, monthly paymentys of {$210.00} on a remaining balance of {$50000.00}. Shortly thereafter the loan was sold to The Money Source who ignored the modification, began billing me {$650.00} monthly and threatening foreclosure. I contacted them and was told if I submitted a notarized, approved loan modification from Guaranteed they would honor it as required by law. I submitted everything, hear nothing for lover a month. When I called XXXX they then told me it was not approved and I needed to reapply with them, which I did and was approved for the same terms. However, they never put the terms in place. I ahve called/emailed at least 15 times since then to fix this and was told the were busy and would freeze the loan activity until they get around to fixing this. 

In the meantime, today I received a bill for XXXX based on the incorrect rate and terms, and threatening foreclosure. XXXX has not done anything they promised and hav e broken many laws, while holding my only home ransom.
Product: Credit card

On XX/XX/XXXX, I made a payment to Comenity Bank - XXXX Rewards Credit Card ( " Comenity '' ) using online bill pay from my personal checking account with XXXX XXXX XXXX XXXX ( " XXXX '' ). After receiving a late notice on XX/XX/XXXX, I immediately called Comenity Bank and was told to give additional time for the payment to be processed. I followed up on XX/XX/XXXX and a Comenity representative stated the check had not been received and that any payment made would be considered late, as a new billing cycle had already begun. The representative said if I paid now, I could request that my bank issue a stop payment on the check that was lost. I immediately paid the account in full on the phone with the representative who withdrew the late fees and interest charge. I also closed the account, as it was apparent I needed to mitigate my risks with this creditor who lost my payment. On XX/XX/XXXX, I received a statement in the amount of {$31.00} for a " returned check charge. '' Comenity found the check they lost and attempted to cash it. However, since a stop-pay was issued by XXXX, Comenity was unable to cash the check and charged me on XX/XX/XXXX, which is seven ( 7 ) days after I paid the account in full and closed the account- only because they lost my payment. I contacted Comenity on XX/XX/XXXX and spoke with two representatives, including a supervisor, and Comenity said they are pursuing the charge and will not credit the account. On XX/XX/XXXX, I was not told by the Comenity representative that if they found the check, they would charge me a returned check fee. Comenity 's attempt to collect a returned check fee from me is fraudulent and I should not be charged for this whatsoever.
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 USC 1681. 

XXXX Account # : 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 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 to any 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

XXXX ACCT # XXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX - XXXX XXXX XXXXXXXX Open Date XX/XX/2015 Balance : {$2500.00}, XXXXXXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$2700.00}
Product: Debt collection

I have a loan with heights finance and I have done business with them for a long time. This is the second time I have had to report harassing phone time. The first time was with their corporate office. I have gotten XXXX phone calls just today XX/XX/year> XXXX yesterday. I'm on vacation and when I'm on vacation I deal with no one. But this is just ridiculous. Then when I got a minute I called them back and told them to stop calling me that I was on vacation and if I wanted to deal with them I would answered the phone the first time. Then I get a phone call back from the office XXXX getting on to me about how nice she is and that she has always been helpful. Well needless to say that was the straw that broke the camels back. Now that's why I contacted you. I have screen shots of the phone call
Product: Credit card or prepaid card

Hello, I signed up for automatic payment in XX/XX/XXXX for my Chase credit card. When I check my bank account onXX/XX/XXXX, I did not see the chase payment was deducted for theXX/XX/XXXX, which was due on XX/XX/. I immediately called them to make the payment over the phone onXX/XX/XXXX. A few weeks later, when received my chase statement I saw that they charged me {$25.00} late fee and interest. I called them on XX/XX/XXXXto ask for the waiver of the late fee. The Rep refused. I asked to be transferred to a supervisor. The supervisor refused also. They said my automatic payment form must have gotten lost in the mail they will send me a new but they will not refund the fee since it was my fault that I did not make the payment on XX/XX/. I should have followed them to confirm that my automatic payment was set up. When I pointed out that payment was made onXX/XX/XXXX, the supervisor said, " late is late by 1 minute or 2 days in your case '' She refused to help. When I asked to escalate my case to the next level she gave an address to write a letter and mail it. It is a matter of principle for me, I do not want to pay the {$25.00} late and take a hit on my credit for their lack of process. Please help me reverse the late fee, interest charge and hit on my credit for late payment. Thank you.
Product: Credit reporting or other personal consumer reports

Inaccurate times, dates and amount on XXXX, experience, an transition plus I've had 1 bankruptcy removed from 1 XXXX an it's still on the other 2 I need them off
Product: Credit reporting or other personal consumer reports

**Re : Complaint Against Credit Reporting Agencies for Failure to Respond and Correct Personal Information** To Whom It May Concern, I am writing to file a formal complaint against the following credit reporting agencies : [ Name of Credit Agency 1 ], [ Name of Credit Agency 2 ], and [ Name of Credit Agency 3 ], for their failure to respond adequately and correct inaccuracies in my personal information on my credit report. 

1. **Description of the Problem : ** On XX/XX/, I discovered inaccuracies in my personal information on my credit reports. The issues include [ list specific inaccuracies, such as incorrect name, address, or accounts ]. These errors are not only misleading but also have the potential to negatively impact my credit score and financial opportunities. 

2. **Steps Taken for Rectification : ** In an effort to rectify these inaccuracies, I contacted the aforementioned agencies on XX/XX/XXXX  and provided them with the necessary documentation to correct my information. This included [ list the documents provided, such as identity proof, address proof, etc. ]. Despite my efforts and provision of adequate evidence, the agencies have failed to respond or make the necessary corrections. 

3. **Impact on Me : ** The lack of action from these credit reporting agencies has caused me significant distress and potential financial harm. The inaccuracies in my credit report may affect my ability to obtain loans, secure housing, or even gain employment, as these reports are critical to these processes. 

I trust that the Consumer Financial Protection Bureau will take this matter seriously and help in resolving these issues promptly. I am willing to provide any further information or documentation as required. Thank you for your attention to this matter.