23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been consistently paying Navient, private loan, for over 5 years. Originally, they were collecting my extra monthly payment and using it for future payments. My balance would should XXXX every month due to over paying. 2 years ago, I found out about this dirty practice and had them change extra payments to go towards principle loan. 
These past 3 months, it seems they changed my payment method back to extra payments being pushed to future interest or pay, showing a XXXX monthly pay balance. After paying off $ XXXX on a specific loan, I repeatedly told a Navient rep 2 months ago, I want extra payments to go towards principle. They did not comply to my request and have continued to keep my payment method same. This is a dirty practice and they are collecting " free '' money from the hardworking consumers. The loan balance has not gone down and they are stealing. I would have been done paying off the private loan had they put my extra payments to the principle loan. Please put a stop to this form of payment system by Navient. Thank you.
Product: Checking or savings account

Bank of America has been illegally charging me overdraft fees, when my account is not negative. On XX/XX/XXXX, they charged me a overdraft for a bill pay that was not scheduled for that day. They have done this 3 more time, for well over XXXX XXXX I noticed it when I got a email about me not having enough money in my account. When I called they would not verify that my account was negative nor would they let me prove that it wasent, according to my transactions. I caught this early, if not they would be on the way to stealing hundreds of dollars from me without me even noticing.
Product: Credit card

We had an account opened thru Apple Credit. When opened I thought my husband did it so I used it. Learned later we were being a victim to identity theft. Luckily I caught this card before getting in the hands of anyone. I was making payments thru my AppleID. We learned that our Apple ID was compromised. We had to get new cell phones new ID and New Phone numbers due to the fraud. We are not arguing the usage but we would like to have a paper bill to insure no other charges were made not ours. We reached out to Apple to request paper statements and let them know of the Fraud on XX/XX/2023 when I learned they pinged my credit. I figured by the Apple ID being closed they would send a paper statement. None was ever recieved. I have no access to the old Apple ID do to the compromise nor do I want to open it on any other technology risking those items getting compromised as well.. Upon reaching out to Apple they responded to me with a letter that Apple doesnt support written correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

purchased XXXX XXXX XXXX XXXX thru XXXX XXXX  XXXX that was paid off in XX/XX/2017 and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears to have delinquent payment history on my consumer report after your investigation. I would like this item immediately re-investigated, XXXX XXXX ( Account - XXXX ) .The inaccuracies are highly injurious to my credit score. In accordance with The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX XXXX Balance : {$41000.00}.
Product: Checking or savings account

I would like to link my checking account with XXXX, an on line crypto currency exchange. They have informed me that PNC no longer allows this type of a relationship with a third party. Crypto currency is gaining popularity and I want to be able to access my funds on deposit in order to purchase Bitcoin and other crypto currency directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix this problem with XXXX XXXX XXXX TransUnion XXXX and XXXX I disputed this for paid in full or off of my credit report for fraud XXXX XXXX XXXX agreed to all the credit bureaus that the information was correct about me being a cosigner and on credit acceptance buyer declaration the terms and agreements were suppose to be on point but it's not the reason why saying this is if I told you I was the cosigner and all the three credit bureaus said it's correct about me being the cosigner why is my signature under the buyer and not under cosigner that seems fraudulent to me and needs to be on my account as paid or remove it off for fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an FTC report just like the bureau requested and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.
Product: Checking or savings account

Most Importantly, FNB is going to try to do a merchant dispute code for a previous merchant so they can hold my money for a ridiculous amount of time and the provisional credit department of this entire bank has said " we all know who you are '' over 3 calls in total over two transactions. They did fix the first transactional fraud problem after a very long 3 week harassment but, they still wanted me to wait 60 days on a XXXX dispute accompanies by a police report. The problem is FNB will do the same thing with XXXX because I do business with XXXX. HOWEVER THIS IS A DIFFERENT HOST. XXXX is a platform for different owners of properties to charge money for rentals so yes, the merchant has been used before but not for this property owner. this is in dispute with the XXXX, HUD, a few other people but I want the bank to code this and work it within 10 business days not say, " well, since you've had business with them before we have to take a business quarter to investigate ''. I don't have a business quarter to wait. This is a single owner on a platform not a repeat charge. Just because XXXX and I do business does not mean XXXX XXXX XXXX XXXX nor I have ever done business before. This was our first interaction it was the most horrifying business transaction I've ever had, I'm pressing to have her put in jail for things she did however, I am demanding that FNB code this in merchant services in a manner that this is a first transaction because I may do business with XXXX but it is simply a charging platform for multiple hosts. I'd also like it if, until I transation to XXXX XXXX that FNB treat me with respect. I feel like I'm talking to a mob bank when I speak to these people. I finally after a month reached one nice lady and even she knowing the situation seems to be at a point of " we don't care that you're being taken advantage of with proof out the gazoo, were going to do our own thing ''.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I am struggling with an account from XXXX XXXX showing up on my credit report as delinquent as of XX/XX/XXXX. 
I had a car loan from this company in XX/XX/XXXX or XX/XX/XXXX. Within a week of me having the vehicle, it died and needed over {$5000.00} in repairs. My father took the vehicle back to the XXXX XXXX XXXX-which is the car lot I purchased it from. After this, we filed several reports with the better business bureau. I have n't heard anything else about this car since then. It has never been on the credit report. We are now going into XX/XX/XXXX and it just now hit my credit report as delinquent. Please guide me as to how to fight this.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CB/VICSCRT - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns for Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect its customers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

Santander consumer USA owned my vehicle that was totaled In a flood in XXXX XXXX XXXX. The vehicle had XXXX  insurance and I was informed in XXXX the account had been settled and they were awaiting the check from the XXXX  insurance. I've not received any contact from Santander since, yesterday I got an email from XXXX XXXX  that Santander is reporting XXXX missed payments on my credit report for an account that should be closed and is no longer my responsibility. When I called santander they are giving me the run around and claiming gap insurance sent the check but they misplaced and are waiting for another copy. This is not my fault and I should be penalized and reported for their mishap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 





4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute the following information in my file. I have reviewed my credit report and have found inaccurate information regarding a debt collection account. 

The item I am disputing is : - Account Name : NATIONAL RECOVERY AGENCY - Account Number : XXXX - Amount : {$1300.00} This account is inaccurate because [ provide a brief explanation of why the information is incorrect. For example, " I have already paid this debt in full, '' " This is not my account, '' or " The amount is incorrect '' ]. Enclosed are copies of [ describe any enclosed documents, such as payment records, letters from the creditor, etc. ] supporting my position. Please investigate this matter and correct the inaccurate information as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have this information investigated and corrected. Please notify me of the results of your investigation and provide me with a corrected copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

I am a Colorado member of Chase bank and hold XXXX accounts with them : XXXX checking, XXXX savings, XXXX mortgage, XXXX auto loan. I have been a member for about 10 years and have always received satisfactory service. I regularly check my checking account statements for fraudulent activity, but typically just scan the totals of my other XXXX accounts since I do n't have a debit card directly linked to them. I recently noticed that a {$20.00} bank fee has been taking from my savings account monthly since XXXX 2014. After speaking to a bank manager, I was told that it was a mistake on the bank 's park ( my account was n't linked correctly ), but he could only refund me funds from the past 4 months. He said that the statute of limitations for fraudulent activity is only a 60 days due to state law. This is understandable if the activity was from an outside source, but being it was admittedly the bank 's fault, they should be liable. My question is, how do I feel safe with a bank that mistakenly takes my money and wo n't give it back? What are the Colorado and Federal laws? Please help! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently been laid off due to the COVID-19 Pandemic. I am no longer a college student and was working full time. My loans are now in forbearance which I'm grateful for. However, I was not aware that I had upcoming payments due and that I was coming out of grace period. This was due because I rarely use the email that is on file in which FedLoan sends those alerts. As a result of this, I was reported missing 3 payments which dropped my score by more than 100 points. Once I discovered I was out of grace period I immediately got caught up on my payments and enrolled in autopay.
Product: Mortgage

Per my Bank of America ( BofA ) mortgage statement, my payments in XX/XX/XXXX were for XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, my payment for XXXX XX/XX/XXXX was received and acknowledged. On XXXX XX/XX/XXXX, my payment for XXXX XX/XX/XXXX was received and acknowledged. On XXXX XX/XX/XXXX, my payment was acknowledged, but they claimed it was for XXXX XX/XX/XXXX again. On XXXX XXXX BofA assessed a late fee of XXXX for XXXX XX/XX/XXXX even though they had twice acknowledged the payment in my mortgage statements and checking statements. They are now demanding {$1800.00} and are listing me as slow when I am clearly 2 months ahead in payments. 

BofA in fall of XXXX changed my account number and then after 2 months notified me that they had not been paid and threatened foreclosure. I had to pay again and it took them 6 weeks to find my original payments. 

These predatory practices must be stopped and BofA has quite a history of doing this. I would appreciate any assistance your office can provide to rectify this and hold the guilty party responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the XXXX  written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a XXXX  party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting

I mailed Experian a request to remove approximately XXXX Hard Credit inquires of my credit report, which where not made by me, the 30 days have long past and i have not heard anything from Experian, nor where any of the Hard Inquires removed. 
I also found XXXX different XXXX XXXX accounts on my credit report, i have never had XXXX different XXXX XXXX accounts, they did not investigate any of this and all XXXX accounts are still showing on my Credit report and they impact my credit in a negative way.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance Owed : {$280000.00} ; XXXX XXXX Balance Owed : {$23000.00} ; XXXX XXXX XXXX Balance Owed : {$5400.00}.
Product: Credit reporting or other personal consumer reports

I got an email from TransUnion for ID XXXX with TransUnion Credit Report and Monitoring Order number XXXX. 

I did not ask for this, I did not start this transaction. 

I attempted contacting them via their website chat. Even after waiting for the long wait times, XXXX minutes, when the representative connected they ignored me and I had to hop back in line. I tried calling them. The function to allow them to call me back did not work. So I had to stay on the phone. Instead of letting me hold, they required me to press XXXX every XXXX seconds to confirm that I still wanted to wait on the phone. If I didn't, they would hang up. When I finally got in touch with a representative, they did not understand what I was asking. 

I just wanted to make this report because I feel like TransUnion is making it difficult to use their services by design. Services that I don't even want to be a part of but am forced to.
Product: Credit card or prepaid card

There is a double payment to my XXXX from XXXX XXXX and American Express. I have filed a dispute with AMEX fort {$18000.00} and asked that the double payment be reversed. I have provided documentation showing the payment from XXXX XXXX. I filed this dispute on or about XXXX XXXX, 2017.  Thus far AMEX has done nothing to reverse the charge.
Product: Credit card or prepaid card

This is the second time American Express has allowed a fraudulent account to be opened in my name. The only way I knew is because a statement was sent to my address. This is unauthorized use of my social security number pursuant to 15 USC 1602 ( p ) and a violation of my privacy and my rights.