23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have never opened and account with USAA and when I first tired they told be " We're unable to complete this request. We're unable to move forward with this application. USAA Bank is exercising it '' I wasn't given an explanations or Have I given them a reason to do this to me
Product: Debt collection

My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report.
Product: Student loan

I want a full refund on my private student loans for having attended XXXX  XXXX XXXX XXXX Fraudulent school and receiving your predatory private student loans. 

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX. As a matter of fact, XXXX XXXX were investigated and found to be a scam school by the Department of Education. 

Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXX XXXX XXXX, and my Fed. loans were discharged and my credit repaired. 

My Borrower Defense Claim was also part of the XXXX XXXX XXXX settlement for which I was a full class member. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools.
Product: Credit reporting

I requested the investigation and re investigation of mis reporting or any state and federal violations per XXXX compliance on accounts listed on my credit report. The credit bureau responded that they have in fact verified ALL accounts with the creditors and that EVERY account is reporting ACCURATELY. When contacting a few creditors myself, I have learned that they did not furnish any information to the CRA and have not verified any accounts. There are also errors within terms, statuses, etc. It is the responsibility of the CRA to make sure everything they report is accurate, verifiable, and 100 % Valid. They are reporting incomplete information? Is n't this illegal. Why am I asked to provide information if I myself made the request. I have been trying to get this all worked out for a few months now and to no avail. I had no choice but to file this complaint. It is preventing me from moving forward.
Product: Credit card

I CHECKED MY CREDIT REPORT AND I SEEN A USAA XXXX XXXX WITH A CHARGE OF {$5500.00}. I NEVER OPENED UP AN ACCOUNT WITH USAA AND WHEN I TRIED TO REACH OUT TO THE COMPANY THEY WOULDNT GIVE ME ANY INFORMATION ABOUT THIS CHARGE AND WOULDNT TRANSFER ME TO THE FRAUD DEPARTMENT SO I COULD REPORT IT AS FRAUD. I ASKED ON SEVERAL DIFFERENT TIMES TO SPEAK WITH SOMEONE HIGHER UP SUCH AS A MANGER OR SUPERVISOR OR EVEN A TEAM LEAD AND I NEVER GOT ANYWHERE. SOMEONE FINALLY REACHED OUT TO ME ON XX/XX/XXXX NAME XXXX AT EXT XXXX I MISSED THE CALL AND CALLED BACK XXXX MINUTES LATER NO ANSWER CALLED EVERDAY SINCE AND NO ANSWER IT STATESS ON HER VOICEMAIL THAT SHE WOULD BE OUT OF THE OFFICE ON XXXX AND BE BACK IN THEOFFICE ON XX/XX/XXXX AND I STILL CANT GET HER ON THE PHONE EVEN THOUGH IT STATES THAT SHES IN THE OFFICE FROM XXXX TO XXXX AND THE SAME GOES FOR XXXX AT XXXX XXXX. I HAVE BEEN CALLING NON STOP TRYING TO GET TO THE BOTTOM OF THIS LEAVING MESSAGES AND I GOT NO RESPONSE. IT BAFFLES ME THAT A COMPANY CAN PUT CERTAIN INFORMATION OUT THERE BUT WHEN YOU TRY TO CHECK AND GET IT TAKEN CARE OF NO ONE IS THERE.
Product: Credit reporting or other personal consumer reports

I've recently received a copy my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been extremely detrimental to my life, credit health and mental health.
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. 
Account name : XXXX 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. 16815-2 ( AN1 ) 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 or other personal consumer reports

Hi, I disputed LVNV funding on my credit report. I also called them and asked for them to send me a statement of what I owed and who I owed it to because I didnt know who they were. They sent me a statement back saying I owe XXXX from the year XXXX  They also show I opened my account last year on my credit report which is false because my credit was poor last year and opened no accounts and Ive had no new accounts in past couple of years due to me not working and being diagnosed with XXXX. I disputed and they ruled in LVNV FAVOR, when I call the credit bureau they say they dont have the info from them back yet. How can they rule in their favor when they dont have all the information and I do have a letter from them Ill be happy to send stating balance was from year XXXX  and also there is no way I opened that account at the end of last year or if its something else its just not possible.
Product: Prepaid card

I have a total of {$14.00} on an american express giftcard however I am not able to spend the remaining balance.
Product: Debt collection

I am writing today to dispute the outstanding balance on my XXXX XXXX account as well as explain why I do not feel I am required to continue making the payments. 

I went in for my appointment with XXXX on XXXX At the time of this appointment I was unaware of the companies bankruptcy issue - and was not informed whatsoever that there may be an issue. I was told that I would be provided not only aligners, but access to a local Dentist who could oversee any problems/issues I may have, as well as the opportunity to buy a retainer at the end of treatment - as well as a lifetime guarantee for the procedure. 

On my XXXX aligner, which I started roughly the middle of XXXX, I started experiencing extreme pain and sensitivity - more than usual. I called the customer service number, as well as the Dr that I was given- and was not able to make contact with anyone. I continued with the XXXX aligner, but had to stop wearing this after a couple of days because it just did not fit right on my teeth At this point, I called the company and again could not reach anyone- I called the Dr assigned, and was told that they no longer supported the XXXX XXXX patience- and I would need to work it out with the company directly. It was then I learned that XXXX XXXX had claimed Bankruptcy Since then I have not been able to use the aligners, and there is no access to anyone via the website or telephone number. 

I paid an initial deposit of {$250.00}, and my insurance was billed for {$1200.00}. I recognize that there was a loan taken out for the balance of the agreement- however it was for a service that was to be provided - and this service was not provided. As I was only XXXX aligners into my XXXX, this was considered breach of contract by my attorney. 

Because I did not receive the service, I am disputing any outstanding charge I owe. There were XXXX aligners in my shipment- however I did not even get through XXXX of these before experiencing an issue that can not be resolved. 

Between my downpayment, the XXXX monthly payment and my insurance payment, I have paid over 70 % of the overall agreement. I believe this is MORE than fair seeing that I did not even get 1/4 of the service from this provider.
Product: Credit reporting or other personal consumer reports

I am writing this letter to get reassurance on an ongoing investigation. I have disputed an account that was charged off 2 times already. The first dispute was on XX/XX/XXXX of 2024. There was inaccurate information on my account that showed 2 charge offs in 2 different dates and then after the dispute the credit bureau modified it and stated it was updated. They did not remove it due to inaccurate information. The second dispute on the same account was on XX/XX/XXXX of 2024. I was able to provide a payoff letter from the 3rd party collection agency " XXXX XXXX XXXX. '' I sent the payoff letter that stated I had no obligation of the account as part of the 2nd dispute, but was not approved for deletion and the information was remained as a charge off. They had incorrect information the first dispute and then also showed a payoff letter as proof and did not want to assist by removing the inaccurate information off my report. Please let me know if further is needed in order to have this removed off my account. 

Thank you!
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite providing clear documentation and evidence to support my dispute, XXXX neither removed nor corrected the account information. 

XXXX failed to provide documentation verifying the accuracy of the disputed accounts, as required by law. This lack of transparency and accountability has directly impacted my creditworthiness and financial opportunities. 

I urge the CFPB to investigate XXXX ongoing violations and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a fair process when disputes arise.
Product: Debt collection

In a notice dated XX/XX/XXXX, XXXX XXXX XXXX, XXXX ( " XXXX '' ) of XXXX, WI informed me of a Delaware DOT toll violation amount due of XXXX. ( I have an active XXXX account and my DMV address is up to date, yet this was the first notification I received of a toll violation ) In a letter sent before XX/XX/XXXX, I disputed the debt and asked for verification. 

In a letter dated XX/XX/XXXX, XXXX wrote that " we are unable to process your correspondence. '' XXXX sent 2 notices dated XX/XX/XXXX further attempting to collect the debt. 

On XX/XX/XXXX, by certified mail, I wrote XXXX and explained that I had disputed the debt within 30 days and that they acknowledged they were unable to process my request for verification. Therefore, I considered the matter to be closed. 

In a letter postmarked XX/XX/XXXX, XXXX wrote to say the timeframe to dispute the debt had expired and the debt was still due. This was the last written correspondence I received from XXXX. 

In a letter dated XX/XX/XXXX ( received on XX/XX/XXXX ), Linebarger Goggan Blair & Sampson wrote that DelDOT had retained them to " resolve the ... listed amount owed DelDOT. '' The notice does not indicate that it is an attempt to collect a debt and provides no information on how to dispute the debt.
Product: Debt collection

I am writing this complaint against XXXX XXXX XXXX in XXXX XXXX, WA. Specifically a lady named XXXX XXXX XXXX. I called her back in the beginning of XXXX for a debt from a landlord. She threatened to 'see me in court ' and hung up. I called back and asked to speak with someone else and they persisted to transfer me to XXXX XXXX. They have proceeded with court and so I responded with a letter and filed it with the courts. 3 weeks later got a letter from the attorney saying I had failed to respond and somehow got the judge to sign off on it. So I let XXXX know that I in fact had responded. In that conversation, I again tried to compromise on a monthly amount ( I had in the past and she was unwilling to budge at all ). We settled on XXXX a month but I informed her that I get paid on the XXXX and XXXX of every month, She then said nope we HAVE to have a payment in by the XXXX. I told her that waiting a weekend until the following Monday wouldn't hurt. Still unwilling to budge. Unless you do exactly what they want when they want it, it doesn't work for them. I have reached out to my community to see if they have had any issues with them a TONS of people stepped forward to say that they all have been treated very poorly, one even thrown in jail and a warrant out for their arrest. I dont understand how the courts keep letting this agency do the things they do and treat people the way they do. Everyone makes mistakes, everyone has debt, doesn't make you a bad person or worthy of that kind of treatment.
Product: Credit card

REFERENCE : ACCOUNT FOR XXXX XXXX XXXX Best Buy ( TM ) Credit Card XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX TO WHOM IT MAY CONCERN : TWENTY MONTHS AGO MY WIFE AND I BOUGHT A DRYER AND WERE ASKED IF WE WOULD LIKE TO USE THE 18 MONTH NO INTEREST PROGRAM. WE WERE APPROVED AND BEGAN MAKING OUR PAYMENTS. OVER THE NEXT FEW MONTHS WE MADE SEVERAL PURCHASES UNDER THIS LINE OF CREDIT. WE CONTINUED TO MAKE OUR PAYMENTS WITH THE IMPRESSION THAT WE WERE PAYING OFF THE PREFERRED DEBT. OUR PAYMENTS WERE ALWAYS ON TIME AND MANY TIMES MORE THAN THE MINIMUM DUE. WE ENROLLED IN AUTOMATIC BILL PAY AND AUTO DRAFT AS WELL. STILL THINKING THAT WE WERE ON SCHEDULE TO PAY OFF THE PREFERRED DEBT. LITTLE DID WE KNOW THAT THE PAYMENTS THAT WERE MADE WERE NOT GOING TO PAY OFF THE DRYER, THEY WERE APPLIED TO THE OTHER PURCHASES. THIS WAS NEVER EXPLAINED TO US UNTIL I NOTICED OUR BALANCE WENT UP BY {$700.00}. THIS WAS THE INTEREST CHARGE THAT WAS PLACED ON THE ACCOUNT BECAUSE WE FAILED TO PAY OFF THE DRYER. I REACHED OUT TO BEST BUY CUSTOMER SERVICE AND SPOKE TO XXXX DIFFERENT LEVELS OF MANAGEMENT AND THEY EXPLAINED HOW SORRY THEY WERE THAT WE DID NOT UNDERSTAND THE PROGRAM BUT THAT NOTHING COULD BE DONE. THE WHOLE TIME WE THOUGHT WE WERE PAYING OFF THE DRYER, WE PAID NO MORE THAN {$240.00} OF THE ORIGINAL BALANCE. WE HAVE THE MEANS TO PAY THE BALANCE OFF AND WOULD LIKE THAT OPPORTUNITY TO DO SO WITHOUT THE INTEREST CHARGE, THAT IN MY MIND WAS DECEPTIVELY PUT ON THE STATEMENT. IN ORDER TO RESOLVE THIS MATTER, I REQUEST THAT SOMEONE CONTACT ME AS SOON AS POSSIBLE SO THAT NO FURTHER ACTION NEEDS TO BE TAKEN. 


SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX
Product: Credit reporting

I sent a copy of a letter submit XXXX to transunion that state that transunion must delete the account submitted to them back on 2011 for the amount of XXXX .and transunion refused to deleted that account from my credit report while XXXX did. Transunion have the copy of the letter .i call them to know why they said that have to investigate it. Reason why I am filling to complaint again transunion
Product: Credit reporting or other personal consumer reports

A year and a few months ago I lost XXXX all my credentials, Ive been working on getting them back. I recently viewed my credit and see unauthorized inquiries
Product: Credit card

Our account was set up on autopay and was scheduled to be paid off in XXXX from a no-interest promotion. In XXXX we realized they were still taking the autopay out. I called and explained that we bought the item for {$2000.00} and set up XXXX payments for {$170.00} ( overpaying by about {$12.00} ) and that it should have been paid off by XXXX. After talking with them, it turns out another item we bought AND RETURNED didn't reflect as returned in their records. So they said to submit a ticket online and attach proof of the return. I did that, and then they replied saying the will investigate the issue. Two weeks later, I messaged through the portal again asking for an update. They said it would take up to 90 days, and that they " would not collect the amount reflected in the account '' or " report to the credit agencies '' until after their investigation is complete. A month later, the balance was reported to the credit bureaus, damaging our credit. I messaged them furious since they IN WRITING said they would not report anything while it is under investigation. They replied and said it would be another 30 days for investigation. Then a month later, they said they were " not able to update the account '' and that they " always report accounts that are 90 days delinquent to the credit agencies '' and are trying to say we owe a ton of money that we DO NOT. I was furious because they IN WRITING said they WOULD NOT REPORT it AND our payment records and proof of return of that other item PROVE our account WAS PAID IN FULL IN XXXX!!! The account currently shows {$720.00} in interest and late fees that we rightfully do NOT owe them.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, Section 602 ( a ) states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, XXXX, and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is not shared. This right is further supported by 15 USC 6801, which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The furnishers of information to credit agencies are considered financial institutions under this title. According to 15 USC 1681, Section 604 ( a ) ( 2 ), Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I, as the consumer, have not given Equifax, XXXX, XXXX, or any furnisher of information to credit agencies my consent to furnish this information, nor have I provided written consent. Any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, are hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) specifies, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. At no point have I been informed by the furnishers of information to credit agencies about my right to exercise this nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), 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. This account, being an adverse item, is being reported without my permission, which is in violation of the law. According to 15 USC 1681s2 ( A ) ( 1 ) ( A ), 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. Furthermore, 15 USC 1681e requires that Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures to uphold these standards. Finally, under 12 CFR 1016.7, A consumer may exercise the right to opt out at any time. I am hereby opting out of your reporting services.
Product: Mortgage

Nationstar Loan # XXXX XXXX CA XXXX We started this short sale on XXXX - see attached Task List and XXXX Messages. 

The negotiator assigned to the file is XXXX XXXX. She has repeatedly rejected tasks, has not initiated tasks to be completed, can not read proof of funds, repeatedly asks for the same doucments over and over again, and WILL NOT RESPOND TO US. 
She wont take calls. 
She wont answer our questions via XXXX. 
She repeatedly asks for the same documents over and over again. 
She has not once done a complete review of the documents we have submitted. One day she accepts what we send and the next day she rejects it. 
Her manager wont call back. 
Her manager wont respond in XXXX. 
No one at this company seems to know what 's going on. 

The negotiator is so utterly incompetent that she did n't bother to send the offer task to us until XXXX -- - THREE WEEKS AFTER WE STARTED THE FILE IN XXXX. 

On page XXXX of the attached XXXX Messages ( XXXX XXXX ) XXXX asked for the XXXX form. On page XXXX - XXXX XXXX - the SAME DAY, I uploaded it to equator and sent her a message. -- -- -- -ONE WEEK LATER SHE ASKED FOR THE SAME DOCUMENT AGAIN!! 

Then on XXXX XXXX she asked for the XXXX document AGAIN!! 

And now she is threatening to cancel the file on XXXX, claiming that 'WE ' are not returning the documents she needs??