23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, and XX/XX/XXXX I have requested for my loans with Navient XXXX to be placed in the Income Based Repayment Program on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via facsimile and phone and the account still has not been placed in the program. I have now contacted them today spoke with the rep in the federal department known as XXXX and she said she is checking the account status. During this process they repeatedly asked for information regarding my employment. Because I am XXXX the only verifiable income information I have is my tax returns. This information was sent multiple times over. XXXX XXXX had no problem fixing this problem. The rep told me that they received the report but it was never processed on their end. The rep was in XXXX and told me she would send it back for review. In the meantime, I have to wait and see if this gets done by them. Please advise.
Product: Debt collection

A collections agency, XXXX XXXX XXXX, is reporting on my credit report that I owe {$2400.00}, which includes {$730.00} in what they say is accrued interest. I sent a letter of validation to them, which I confirmed they received with USPS on XX/XX/2021 ( and will attach the tracking number ), but they have not responded to me since then. 

The XXXX period for XXXX XXXX XXXX to respond to my request for validation ended in XX/XX/2021, and they must now stop reporting this alleged debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TEXAS XXXX Please delete all other addresses, I can not receive mail or any correspondence nor did I ever lived at any of those addresses, I do not have access to any of those addresses. Please delete all addresses from my credit report and update it with the one above. 
My phone number is ( XXXX ) XXXX Delete any and all other phone numbers I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.

please send an updated credit report once the changes are complete to my contact information listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX TEXAS XXXX ENCLOSED : COPY OF MY STATE ID, AND SOCIAL SECURITY CARD, FOR PROOF OF ADDRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I told the dealership to give me legal documents before they pull my credit I never sign any documents for them to pull my credit that is illegal.
Product: Debt collection

I purchased a vehicle back in XXXX and it was financed through Lobel Financial. I was in desperate need of a car with my XXXX children. The salesman was so desperate he sold me a lemon. The car broke down on me on the freeway with my children in it. They repossed the car and have since then have been trying to collect the debt. I know there are XXXX laws against this kind of things to protect me and I want to know my rights and how I can fight this case.
Product: Credit card or prepaid card

For a year we did over {$55000.00} worth of purchasing, and prompt full-balance payment, through our American Express gold card. Throughout that time, AmEx repeatedly and consistently raised and lowered our allotted credit limit. The assurance was made that once we proved ourselves throughout that year, the limit would be stabilized in accordance with our spending habits and credit score. In XXXX, we were offered an AmEx Platinum card. Our maximum allotted limit was {$50000.00}, with a {$25000.00} 'layaway ' for certain qualified purchases ( air fare, travel, etc. ). 

While still completing the credit application, XXXX XXXX, the main cardholder on the account asked several questions. 

MA : Am I able to take out a cash advance on the card? 

AmEx employee : No, you can't. 

MA : Ok, well can I make a payment to my own business? 

AmEx employee : No, that's not permissible either. 

MA : What about XXXX? 

AmEx employee ( excitedly ) : Yes! Yes you can! 

We went ahead and did that transaction, which we've since found out was not permissible after all. We were flagged for a financial review, and submitted all paperwork they asked for with the reassurance that it was simply a formality because of the error regarding the XXXX transaction. We even offered to return the money to the card. 

The culmination of the investigation was that our limit would be reduced to {$12000.00}, when we had already spent {$17000.00} on the card. We are in the middle of closing on a home. XXXX 's XXXX XXXX has suffered, and he has suffered multiple XXXX XXXX and XXXX XXXX as a result of the stress being caused. Where we were previously at less than 20 % usage on that card, we are now at 150 % usage, and it has artificially tanked XXXX 's previously pristine credit rating. 

We have dealt with AmEx loyally and in good faith over the past almost three years. We've had several different cards with the company. They have never been consistent. We have requested the recording of our conversation when the aforementioned employee incorrectly told us we were allowed to commit an act that we've since learned was not permissible. The company has responded that they will only release the recording with a subpoena. 

At this point, we are hesitant to pay AmEx anything, as we are concerned they will immediately terminate our account, or lower our credit limit to something worse. With the upcoming home purchase, we can not properly plan our available finances due to the instability with this company. Additionally, we have tried to reach out on multiple occasions and have been forwarded on to employees overseas ( who have lied and said they are based in Florida ; we have caught them mid-lie ). We have been a willing party in the resolution of this matter, in a way that is fair and respectful to all parties, particularly us, considering the amount of business we have done with the company. We are stunned and appalled, and are unsure of where to turn at this point.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I made a principal payment of {$9900.00} on my XXXX loan which had previously maintained a perfect payment history. This payment was misapplied by XXXX, leading to a series of systematic errors. In XX/XX/XXXXXXXX XXXX  erroneously reported a delinquency on my account, causing my credit score to plummet from XXXX to XXXX - a devastating XXXX drop. 
Since XX/XX/XXXX, I have submitted multiple disputes to Equifax, XXXX, and XXXX regarding this incorrect delinquency. Despite providing comprehensive evidence, all three credit bureaus have failed to conduct proper investigations as required by the Fair Credit Reporting Act ( FCRA ). 
Evidence Provided to Credit Bureaus Original loan documentation showing 4.800 % interest rate Complete payment history demonstrating consistent payments Bank statements proving the {$9900.00} payment Documentation of unauthorized autopay deactivation Written admission from XXXX Supervisor XXXX XXXX ( dated XX/XX/XXXX ) acknowledging system errors XX/XX/XXXX Account Statement ( showing contractual 4.800 % interest rate ) XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) All three credit bureaus have demonstrated systematic failures in their investigation processes : Failed to Conduct Proper Investigations : Ignored submitted evidence Disregarded bank supervisor 's documented admission Failed to verify accuracy of reported information Did not investigate payment application issues Provided Inadequate Responses : Sent generic form letters Failed to address specific dispute points No explanation of investigation methods No documentation of findings Violated FCRA Requirements : Failed to conduct reasonable investigations Did not review all relevant information Failed to provide detailed investigation results Continued reporting disputed information without verification Pattern of " Sham Investigations '' : Automated responses without human review Ignored clear evidence of bank error Failed to contact data furnisher properly No meaningful investigation conducted
Product: Credit reporting or other personal consumer reports

XXXX XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX VISA to send me a XXXX C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service XXXX XXXX and the XXXX Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes.
Product: Checking or savings account

Bank of America has charged me thousands of dollars while allowing the same repeat transactions to go through over the last year and a half. I have talked to them and was told it would be made correct and it has not. Today they just took more money. I am going to be closing my accounts but I need my money back. They said they'd fix it and gave me a refund for like XXXX of the XXXX dollars fees, I asked to make the acct unable to over draw. They said they'd do that. they did not.
Product: Checking or savings account

US Bank fraud department froze my wifes debit card for transactions we made while having an ample amount of cash to cover said transactions. They failed to notify us of the freeze on the card. 

When we called in the to the bank and was connected to the fraud department, US Bank personnel refused to lift the freeze as they had determined internally that the card had been compromised.

One of the payments for which the freeze was put in place for was a for the premium payment made for my wifes medical and dental insurance through the XXXX XXXX XXXX XXXX. 

Their representatives refused to lift the hold on her card and hung up on us. We have no idea if a new card is going to be issued. 

This same card is utilized to pay for my wifes medication at the local pharmacy. We were told that we need to go to a branch location to get a new card. The nearest branch is XXXX to XXXX XXXX drive from where we live in XXXX. 

Upon calling the branch in Idaho where we had originally opened the account in 2004 we were advised that her card was also included in a group of cards for which there had been a data breach that allowed an outside entity to obtain debit card numbers. The location of the data breach or time had not been disclosed to us when the breach was discovered. 

It. Is my opinion that the Senate Banking Oversight Committee needs to investigate and question banking executives at US Bank about this data breach.

The process by which US Bank handles debit card freezes needs to also be reviewed. Our local Texas banking institution ( XXXX Bank ) notifies me by both email and text message of any suspected fraud compromises in my debit card and accounts. US Bank does not. They would rather cause financial, medical, and personal difficulties rather to appropriately and proactively notify their customers when there is a problem.

The resolution I am seeking is that the US Bank Fraud Department have appropriate customer engagement training. That US Bank implement an appropriate customer notification system for suspected debit card/ACH fraud issues. That US Bank have a proactive policy for notifying customers of suspected or actual data breaches within their system or the credit/debit card transaction clearing house.
Product: Mortgage

Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Product : Mortgage We write and enforce rules that keep banks and other financial companies operating fairly. 

I guess that statement is totally bogus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX, also known as XXXX AND XXXX, has violated my rights following the Fair Credit Reporting act. 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 : A consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX
Product: Vehicle loan or lease

I am a consumer, the original creditor. On XX/XX/2020, I the original creditor according to 15 USC 1692a ( 4 ), extended credit to my loan company, Alliant Credit Union at XXXX XXXX XXXX XXXX, XXXX, IL. XXXX, in the amount of XXXX for an auto loan, but with their fees and total, the credit union agency is charging me {$53000.00}. According to XXXX5 USC 1605 ( a ), the finance charge is the sum of all, so my car insurance, gap insurance was not included in the finance charge ( sum of all ). I requested a copy from Alliant Credit Union of my auto contract, Exhibit C, which is totally different than what I have from the day of the actual transaction, shown in exhibit D. The interest rate, the total amount is all different. This is FRAUD on all levels. Alliant Credit Union operates under the Truth and Lending Act, so why wasn't I not informed that they took my unlimited credit card to the federal reserve and was already paid in full. Not only was they paid in full, but they are coming after me for monthly payments. This auto loan is being reported on my credit report unlawfully without my consent. I am disputing this transaction because Alliant Credit Union not only stole from me but my reputation is totally ruined. I have included a affidavit of truth citing all XXXX violations, and also included an invoice, as well as a cease and desist stating what is needed. This is totally a complete violation of 18 USC 1028A. I also will include a copy of documents used and or exhibits in this report and also a copy mailed upon certified mail.
Product: Credit card or prepaid card

Dispute against APPLE Goldman Sachs credit card, I filed a dispute with them for a transaction that had not been refunded by the merchant XXXX. I had to cancel my registration for my medical school board examination, which was on XX/XX/XXXX. I had canceled and requested a refund weeks before, the merchant has yet to respond. I filed my dispute with Apple Card and have attempted to contact on numerous occasions. I have sent them 6 emails, and I have record of all the terrible responses Ive received. It seems as if they are making a joke of the situation- XXXX $ wasted for an examination I couldnt attend to due a personal emergency, and am expected to take again ( aka pay another XXXX $ for. ) this is cruel- both the merchant and credit card provider have failed to provide me with the refund for a service that was canceled and not received.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for validation regarding the XXXX bill that is showing on my credit report account, yet I am still unable to receive any information regarding why it is showing on my Transunion credit report. I need to have this item removed from my credit report. Transunion has failed to send me any documents that supports this being on my credit report. I dont owe XXXX XXXX any money and need to have this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX a creditor submitted a delinquent account to my credit account. My attorney disputed the account with the company and I did as well. I also disputed the account all 3 credit agencies. The account was removed. It suddenly appeared again last month. I contacted the creditor directly. Per XXXX 'we closed the account in XX/XX/XXXX and have not reported to the bureau since ''. I relayed the information to Experian to have the account removed permanently. After spending 4 hours over 2 days speaking with 8 representatives 2 of which purposedly disconnected me I still got not results. They are listing an account on my credit report that has nothing to do with XXXX Bankruptcy. The account happened 4 years later and was resolved in XX/XX/XXXX per the creditor. Their negligence is preventing me from leasing an apartment. I want this resolved. Can you assist me please?
Product: Credit card

Kohls charged two cards for the same amount. Last four digits of the card XXXX is the only card that should have got charged. Kohls charged the same amount to two different cards. I have called for months and have put two different disputes. Never did Kohls send me anything in the mail or emails about my disputes. Ive called for 6 months about this. Know one wants to fix there mistakes but instead report false information to XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

The company is reporting personal information in my credit file and report that is not accurate or complete. Because of this I have not been able to do proper business with other agencies because I can not be properly identified. 

The only name that should be reported is XXXX XXXX. 

My only address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

My only phone number is XXXX.
Product: Credit reporting or other personal consumer reports

The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} million in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.
Product: Mortgage

Our property is in Tn, and we had to leave due to my health in XXXX of XXXX. Leaving our sons to take over the mortgage payments and utilities and all of our belongings. Everything was going fine until we got a couple months behind in our mortgage. The original mortgage holder sold the mortgage to another company without our knowledge. 
When we found out, we tried to work with them and we told that they do n't make arrangements. They want the whole arrears or nothing. The loan holder is a XXXX Veteran and there is no way to come up this kind of money. We even gave them new our address away from the property. 
This went on for 2 years until I hired XXXX XXXX, an attorney, to stop the foreclosure in XXXX I paid the attorney to do my wishes, which did n't happen. We tried to do cash for keys, and it was never presented. We dismissed the attorney in XXXX. 
XXXX of XXXX, some XXXX came to the door asking questions about the property, wanting to come in. My son refused. She went around to see our XXXX XXXX XXXX barking, and she stated that he was the XXXX making all the noise. The next day he came up missing. 
A police report was filed. Cars passed slowly taking pictures of my house and property. 
We contacted the mortgage company in XXXX of XXXX requesting loan modification. We submitted the paper work many times and they kept tells us they never received the paper work. 
They sold the property at foreclosure sale on XXXX XXXX, XXXX, and no one purchased it. They still would n't work with us. Our personal belongings were still in the house, and we were trying to work with them so we could get our stuff out. 
We were never served with with eviction papers until XXXX XXXX, XXXX, giving us 30 days from the XXXX to remove our things. 
On the XXXX, the mortgage company ordered all our belongings inside and out side be removed and destroyed. We have litigation over the disposal of the personal property. 
This complaint is that they never allowed us to do a Loan Modification, and foreclosed on us, and sent people to harass our son while he was staying there. We finally brought him to live with us XXXX of XXXX cause he could n't handle the harassing any longer.
Product: Money transfer, virtual currency, or money service

I created a paypal account in the summer and went through verification then. I provided my documents, my ID. But I didn't make any transfers at that time. 
This month I withdrew money from fiverr and then a customer sent me XXXX dollars, a couple days later a message came to my gmail address that my account was blocked supposedly due to suspicious activity. 
But I didn't break any rules, paypal just took my account and blocked it, I was very upset when I saw this message. Also tried to write to tech support but they said it's confidential information. Initially I thought maybe I entered my first name and last name wrong ( I'm not exactly sure about that, I'm guessing ). But even so they don't have the power to block the account permanently. 
I hope you can help me with my problem, thank you. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX