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

My account is constantly being restricted where I can't withdraw money, and they cancel my debit card whenever I try to withdraw or make a purchase. 
They say it's for a FRAUD ALERTS but why would they suspect fraud when I'm making the transaction at the bank teller windows? When I've been withdrawing the same amounts for decades? 
They cancelled 5 debit cards and prevented my paying bills causing late fees and more! 
I feel as if I'm being monitored as if a XXXX. 
Why are my every transaction being monitored?
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX, I spoke with a customer service representative at Navient, the company contracted to service my student loan account, about some suspicious changes to both my student loan account history and personal credit report. 

It appears that Navient reported my loans Paid in Full on or around XX/XX/XXXX and closed the two accounts that were previously included in my credit history. This change caused my credit score to drop 39 points between the two closed accounts. 

When I logged into my Navient account and checked my account history, it appears that Navient has recently updated my account in several key ways : -All capitalized interest is reported as {$0.00} dating back to XX/XX/XXXX. This has not been the case for the past two years and six months. Interest had been accruing on the account. 

-My loans appear to have been retroactively consolidated with the reported date of consolidation as XX/XX/XXXX. I did not request this consolidation. 

-There are several newly reported payments recorded in XXXX that were not made by me. I stopped payments to Navient in XX/XX/XXXX after realizing that my payments and overpayments were not being applied in the way I intended, which was to pay down the principal and not be applied to future payments. 

When speaking with the customer service representative, I asked her Who initiated the consolidation of my loans in XX/XX/XXXX? She told me that I had requested the consolidation of my loans, digitally. I asked her what she meant by digitally. She explained that I submitted a request through my account. I asked if that request should show up in my account inbox under the tab Documents You Sent to Us, and  she told me it should be in that tab. But there are no documents in that tab, because I never requested the consolidation of my loans verbally, digitally, or otherwise in XXXX. I know because in XX/XX/XXXX I learned for the first time that I wasnt alone in the overwhelming Navient scam. I have remained in forbearance since that time because Navient has refused my requests to remedy the misallocation of my previous payments. I did not request a consolidation in XX/XX/XXXX and my account history prior to recent erroneous changes listed previously did not indicate any consolidations. 

The Navient representative I spoke with explained she was sending me a Fraud package for me to complete and upload to my inbox along with a copy of my credit report to initiate a Navient investigation. This package was never sent to either my personal email or my Navient account inbox. My credit is still damaged and has prevented me from purchasing an affordable vehicle which I need in order to become gainfully employed and afford to pay my student loans. 

Navient continues to demonstrate flagrant disregard for its obligations as my student loan servicer and continues to cause irreparable damage to my financial well-being and my consumer credit.
Product: Credit reporting or other personal consumer reports

XXXX was an extension of credit through XXXX XXXX. I have made numerous payments and a hefty {$900.00} down payment. None of these are a reflected on my credit report and none of the payments that I'm making are reflected on my actual account. They have not updated anything since XXXX. It's almost XXXX. I have attached screenshots to show. They are saying the things are 60 days past due that are not 60 days past due they are saying things are XXXX past do when they are not past due I had an extension to skip a month and defer. They still will not report the right information and they won't update my account online so I don't accurately know how much I even owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO DEALER SVC  / 30 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information on my credit report. I have identified the following account which contains incorrect information and needs to be investigated and corrected : - **Account Name** : SANTANDER CONSUMER USA - XXXX XXXX : XXXX - **Account Type** : Auto Loan - **Responsibility** : Joint with XXXX XXXX - XXXX XXXX : XX/XX/XXXX - **Status** : Paid, Closed - **Status Updated** : XX/XX/XXXX - **Original Balance** : {$19000.00} - **Terms** : 75 Months **Inaccurate Information** : - Payment history reflects multiple past due payments that I believe are incorrect. 

According to my records, the payment history reported for the following months is inaccurate : - 90 days past due as of XX/XX/XXXX, XX/XX/XXXX - 60 days past due as of XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 30 days past due as of XX/XX/XXXX I am requesting an investigation into this matter and that the incorrect information be corrected or removed from my credit report. Enclosed are copies of my records supporting my claim that this account was not past due during the periods indicated. 

Please complete this investigation within the legally mandated XXXX period. 
My wife 's name is XXXX XXXX And they are reporting that my wife 's name is XXXX XXXX, this information is also inaccurate and incorrect all the payment stubs say that name does not belong to my wife, here I am sending you a copy of the license from my wife.All the account statements say the same thing and that is inaccurate information. 
Once the investigation is complete, please provide me with written confirmation of the results.15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ), in general it, 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 shall-i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from tha file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information about XXXX XXXX and Experian. XXXX XXXX and Experian is still breaking federal law per fair credit reporting act. XXXX XXXX and Experian has not exercised their grave responsibility for fair and accurate credit reporting. Ive tried on numerous occasions to get these late payments removed but they continue to break the law. XXXX has deleted the late payment from XXXX XXXX XXXX XXXX and XXXX XXXX and Experian has yet to comply with the fair credit reporting act and needs to be held accountable. I will provide the case number where XXXX has deleted the late payment COMPLAINT ID XXXX. XXXX XXXX and Experian need to delete the late payment from XXXX XXXX XXXX XXXX immediately or face the consequences of a lawsuit.
Product: Checking or savings account

I have filed two separate disputes, Dispute ID XXXX and XXXX, each valued over XXXX XXXX For Dispute XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and received an email immediately afterwards confirming my dispute reason was Duplicate Charges, I would receive a temporary credit by XX/XX/2024. Unknown to me, a Chime rep changed my dispute reason from Duplicate Charges to Non-receipt of Goods/Merchandise , which would now make me ineligible for a credit. The only reason I found out the reason was changed is because I received an email on XX/XX/2024 requesting additional information for the claim, and the subject line had the dispute reason as Non-receipt of Goods/Merchandise. I immediately called Chime Dispute team and informed them of the error and requested it to be changed back to Duplicate Charge, which is what I filed it as XX/XX/2024. The request was submitted and I was given a new temporary credit date of XX/XX/2024. However, my dispute was denied XX/XX/2024 with a generic email and bogus denial reason. I called Chime back and spoke to a Supervisor by the name of XXXX only to find out my dispute reason was never changed back to Duplicate Charges I as requested. A rebuttal was filed, which was then denied again within a few days with the same generic reasoning. I requested the denial documents and Chime never sent them, which is a violation. The total credit for that dispute I should have received is {$5500.00}, and I want my money back immediately with a proper investigation. 

The Dispute ID XXXX was filed XX/XX/2024 for XXXX transactions and the reason was ATM Non-Dispense. I received a denial on XX/XX/2024 with the same generic bogus email I received for the last dispute filed XX/XX/2024. Chime did not complete a thorough or good faith investigation. I requested the documents used during the investigation and did not receive them. I also opened a rebuttal on XX/XX/2024 and was told I would need to submit documentation. The amount of this dispute is {$5800.00}, and I would like my temporary credit immediately while a proper and thorough investigation is completed. 

Chime is known for immediately denying disputes or denying on the day the temporary credit is due. It is seen as avoidance to give customers their temporary credits. Chime is acting in bad faith and allowing its reps to steal from customers, or not backing its customers when merchants are making errors in debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX through their Corporate Complaint Advisor sent me a letter within declaring an existing Account before belongs to them had belong to another institution, I always knew made that reality worth until finally XXXX had did recognized. The Account before came to XXXX had belong to XXXX XXXX XXXX/XXXX XXXX XXXX as also like XXXX does declares on letter. While under XXXX/XXXX  there a document that show a missed first payment at XX/XX/XXXX, on document there a reference at XX/XX/XXXX I had 3 payments past due. 
Why Experian do not act as they state on their Reports as " ... .This information is generally removed seven years from the initial missed payment that lead to the delinquency. Missed payments and most public record items may remain on the credit report up to seven years, except Chapters XXXX, XXXX and XXXX bankruptcies, ... .. '', its not my case. 
Why Experian does not accept the Bank letter as a prove within other doc copies I been sent all these months asking to someone take a fair attitude within a consumer. What kind of investigation Experian does when answer back do not refer names? 
Are Experian above law to manipulate or hold information the way more convenient for third parties? 

I do have documents to prove all!!! 

I do ask to CFPB to make value your authority to push Experian fix that issue/matter!!!
Product: Debt collection

Experian and XXXX are allowing XXXX XXXX to report debt over a vehicle twice. XXXXXXXX XXXX  sold my debt to XXXX XXXX XXXX and both credit reporting agencies refuse to take the {$9000.00} XXXX XXXX  in collections account off even with proof that it is the same account. Its illegal to report the same debt multiple times under multiple companies. XXXX said they would fix it and havent, Experian rep told me they arent responsible for reporting accurate info they only report what creditors tell them to and its not their responsibility to take off duplicate accounts.
Product: Credit card or prepaid card

I've seen no changes for the accounts that I have disputed last time, I still see 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last few months ive reviewed my credit reports from all three major credit bearues and discovered multiple adverse/erroneous accounts on all three reports.ive disputed all accounts recently and the CRA 'S are some how verifying accounts in a matter of days. ( impossible ) The CRA 's are not properly doing a investigation in this matter.All of the errouneous/adverse accounts are missing information/incomplete/no payment history.XXXX, Experian, XXXX, are in violation of the FCRA section 611 as well as section 609.Ive requested documentation on all accounts with no response, only saying its verified.Ive also contacted every creditor involved, and was told CRA 's have not communicated with them. ( wow ) I will continue to dispute until the accounts are removed from my credit files if not, I will take other action pertaining to these issues.I demand the following accounts be removed : XXXX XXXX ( closed ) $ XXXX XXXX XXXX  XXXX XXXX $ XXXX-XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX- $ XXXX XXXX XXXX {$560.00} .
Product: Credit reporting or other personal consumer reports

I Tried to fix an account that show balance and wrong status in my credit report. I tried to open an investigation multiple time in XXXX, TransUnion and XXXX. I do not received any response. I open a Fraud Alert because I see my report and I found that account. I completed an FTC report and send it again to the three mayor bureaus and again, no received any response or any letter from them.
Product: Debt collection

XXXX {$1500.00} was deducted from my Truist-B & T-Subtrust checking account ending in XXXX showing details : " XXXX # XXXX PAY DEBIT MEMO '' -Communication with the bank has been impossible : >50 minute hold times for the main number, closed branches, branch phone calls not answered, etc -I was able to speak briefly with a branch mgr. via phone who explained the branch could not assist with this matter. He did provide enough information to point me in the direction of the possibility of credit card debt from a prior owned business. I left this business in 2011 and filed for bankruptcy. This card issuer was listed as one of the debtors. Bankruptcy particulars are attached. 
-I have made several attempts to explain this to the bank via telephone but have been left on hold for > XXXX hour.
Product: Consumer Loan

This is my second complaint about GMfinancial. I make extra payments each month and ask them to place the extra amount past my regular payment and they keep placing the extra money on the next months due and future payments. I specially am making extra payments to the principle so that I can pay my car off sooner because my income will drop. Please how can I get this resolves so that I do n't have to complain each month or call them each month and they still get it wrong. 
I need help. They just want to take the extra interest money from me monthly.
Product: Checking or savings account

On XX/XX/year> I deposited money to my capital one checking account. Also, I tried to make some cash deposit but I was unable to deposit all the amount. Therefore, I asked my coworker, my cousin, and my mother to make a XXXX to my account. XXXX XXXX ( mother ) sent me {$2000.00}, XXXX XXXX sent me {$1500.00} and {$500.00} ( cousin ), and XXXX XXXX sent me {$600.00} ( coworker ). The trasactions {$2000.00}, {$1500.00} were set for verification. Because I was worry that the checks I made to pay cars that I buy for XXXX were not honor, I deposit money by XXXX {$3400.00} and {$580.00} while the XXXX transactions were verified. On XX/XX/year> I received an email that my account was restricted for suspicious activity, so I called the bank. I spoke with XXXX but the call got disconnected weirly. Then I was able to skpoke with a guy with ask me a lot of questions, after all the time lost. He told me that Capital One decided to close my account. I went to the capital branch at XXXX, MN and they did not even try to help me. I called again, a lady called XXXX explain me that the fund will continue to be hold, I asked for the Manager, XXXX presented herself as a manager. They denied to reveal any employee id or last name and state that the voice record were online reserved to capital one. I need help because {$16000.00} are being held for no reason and not an specific period. All checks were return as unpaid and now I have a big debt because capital one is stealing my money. They treat me badly without trying to give me a good explanation of what is going on and when my money will be reversed.
Product: Mortgage

Applying with XXXX XXXX to buy in XXXX XXXX, they referred to Eagle Home Mortgage. They are requiring that the loan must go thru Eagle Home Mortgage or you can not buy a home in their community. They will not sign the addendum allowing you to use your own lender. Neither Eagle Home Mortgage nor XXXX XXXX are paying any of the closing costs and are not providing any lender/builder credits on this transaction. 
Eagle Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The company mailed out to me a pre-approval letter on or around XX/XX/2023. I responded to the offer that stated i would receive an approval in as little as XXXX seconds. That did not happen so then I received an email stating that its under review and this action can take up to 1 to 2 business days. 2 days has passed, I received another email that stated that i was approved tentatively pending receipt and verification of my employment status. i uploaded the required documents and later that day I received a phone call from a PenFed representative stating that they will have to call my employer to see if i worked there. Something i never heard of before from an institution that is approving you for a Credit Card. The next day I called and had questions on why they would need to call my employer direct, after I've uploaded ; requested documentation that was sufficient enough to validate my identity and annual salary. This went on from XX/XX/2023 XXXX. I spoke with several PenFed representatives and was told different theories and reasonings on why my application process was taking so long. I was told PenFed reached out to my empolyer and my employer had to call a number in 48 hours ( which if the company stated they reached out to my employer than that should have been determined that i was an employee ). I was told that they were waiting on a letter from my employer because of my annual salary ( which I know personally that was false ). I was also told that my employer had to upload documents. As you can see all of these hurdles and obstacles because PenFed probably did not think i was telling the truth about my annual salary which is alarming and shameful. I have a great credit score as well as high balance cards due to how i maneuver with my credit profile and my annual salary. In conclusion, I believe it was False advertisement on their behalf as well as discriminatory practices and this situation should have been handled differently.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 or other personal consumer reports

I requested they remove the bankruptcy reporting on my credit reports numerous times Experian and XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX.