23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a co-signer on a Navient student loan. I have paid-off XXXX of the XXXX loans I am a co-signer for 3 years ago. I paid a lump sum on the XXXX loan about XXXX years ago to bring it current. I verified the XXXX loan is current, the goal is to be released as a co-signer. Granted the borrower pays the loan, but based on her pay period about XXXX or XXXX weeks late. Recently, Navient approved a XXXX month forbearance XX/XX/XXXX thru XX/XX/XXXX. I received notice of the forbearance after it was approved by mail. I was unclear of the issue, and made a call to Navient on XX/XX/XXXX to have the forbearance and the account status explained to me. The account shows that all payments for XX/XX/XXXX was received ... some late and late fees were assessed. But, I was confused as to how the forbearance was necessary. After about XXXX hour on the phone, XXXX transfers later, I requested to speak with a Supervisor to explain. I was told the account was a month behind ... which it does not appear to be the case ... and the forbearance is the reason for the zero balance, which in my understanding only removes the XX/XX/XXXX payment. It 's never easy communicating with Navient, and the workers are not knowledgeable and you feel as though you are caught in a bad dream that will never end. I do n't agree to forbearance 's, but as the co-signer I have no right to prevent it. I made a payment on XX/XX/XXXX, that should be posted in the account this week. My main goal is to be removed from this loan as a co-signer ... and I will be requesting the borrower to submit a request to removed me from this XXXX loan. However, because of the way she pays and the recent forbearance I 'm not sure my request will be granted. Please help. I WILL NEVER CO-SIGN A STUDENT LOAN AGAIN AND I WILL NOT RECOMMEND NAVIENT AS A LENDER TO ANY STUDENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried NUMEROUS times to fix inaccuracies on my consumer report with EXPERIAN. However, they come back " verified. '' report number : XXXX They are willfully in violation of the FCRA over and over again. Pursuant to 15 USC 1681a ( XXXX ). Provide me with the names of my neighbors, friends, or associated with whom you personally interviewed. 

EXPERIAN is committing criminal activity 18 USC 242. EXPERIAN IS providing information to anyone/company who pays to see my personal information violating my FOURTH AMENDMENT RIGHT. 

I would like to make it clear to EXPERIAN and those in position of Authority at EXPERIAN that congress makes it clear that the banking system is dependent upon my consumer report being fair, an accurate. Pursuant to 15 USC 1681 ( a ) ( XXXX ). Pursuant to 15 USC 1681 ( a ) ( XXXX ) Congress also made it clear that EXPERIAN is an elaborate mechanism with no real standing or authority. EXPERIAN was not given this role, EXPERIAN ASSUMED this vital role, and because of the assumptions of this company, my life has been negatively affected causing me hardship, XXXX XXXX and XXXX. 
Pursuant to 15 USC 1681 ( a ) ( XXXX ) You were unfair in reporting this erroneous information without first consulting with I, the consumer. You have no proof of any transaction ever taking place. 

EXPERIAN also has inaccurate addresses and names on my report. The inaccurate address must be removed as per the FCRA since they are not deliverable to me via usps mail. ( these are also stated within my attachment ) I have also sent to attached letter to EXPERIAN, and XXXX XXXX  ( registered agent ) via certified mail numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times ( XX/XX/XXXX being the most recent ) to alert them of erroneous information that they are reporting on my credit file furnished by XXXX XXXX and they have violated my rights by failing to report data that is valid and correct. I made multiple requests under Federal Law asking XXXX to remove erroneous information reported by XXXX XXXX  and to provide me with any physical evidence that is provided specifically a copy of the original creditor contract, which they should used to verify the account as being valid and correct and was told by a representative that they do no have to do this. XXXX  and XXXX XXXX  are reporting that I had accounts with them at a residence of XXXX XXXX XXXX XXXX GA XXXX, ( an address in which I have no knowledge of ) and that I included them in a chapter XXXX bankruptcy filed XX/XX/XXXX, which is also false information as I did not bankruptcy in XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that the information was certified as accurate by XXXX XXXX  and that there would be no changes to my report as a result. XXXX  did NOT provide and explanation or evidence as to how they are so certain that the information they are furnishing is NOT a violation of my rights.
Product: Credit card or prepaid card

I enrolled in an offer that stated I would receive 5 % back on online purchases made between XX/XX/2020 and XX/XX/2020. On XX/XX/2020 I purchased {$200.00} on XXXX. I expected to receive 5 % of {$200.00} or {$10.00} but I only received {$4.00}. I have attempted to contact Citi regarding this issue. The customer service representative has reviewed my account and confirmed the discrepancy. The issue was escalated but I received a letter stating that no action was taken to resolve the discrepancy. I would like to receive a credit for the remainder in the amount of {$5.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I became a victim of a scam after receiving a call from a woman who impersonated Chase Bank. She informed me that my bank account had been compromised. I became wary and asked for verification that this was indeed my bank. The person on the phone knew all of my information which led me to believe it was Chase. They informed that I would need to make a wire transfer to verify my account since a hacker had compromised it and was attempting to wire {$3200.00}. I was sent a verification code and provided login credentials during which the scammer added a fake recipient in my account under the name of redeposit and instructed me to wire {$3200.00} to myself. After the wire transfer had been completed, the person on the phone stopped responding and I immediately hung up and called Chase, where I was informed that I had been scammed. I spent over XXXX hours on the phone with different people from Chase, who took down my information and I was advised that an investigation would be initiated and my funds would be recalled. I was never informed that I had the ability to initate this recall myself nor was I given any information regarding the bank account that received my funds. I conducted multiple outreach calls to Chase in an attempt to receive updates and inquire if I could do anything on my end. Unfortunately, my case was closed because they deemed that this was not a case of fraud. Time and resources were wasted trying to prove whether this was fraud or not when I described on many occasions what happened and informed of the voluntary transactions made under the pretense that I was indeed speaking with Chase. I spoke to a supervisor who advised that the case could be re-opened if I submitted reports showing that this wire transfer was made to a fraudulent recipient. I submitted a report to the FTC and was going to submit a police report, until I was advised by a Chase associate that this would not change the outcome of my case. This same associate confirmed that the recall from the bank was initiated nearly XXXX hours after I contacted chase to report the incident. I do believe that the bank was negligent in prioritizing the recall. Their response was that they were unable to get in contact with the receiving bank ( XXXX weeks later ). And as mentioned before, I was never once informed that I was able to complete this recall myself on the mobile app which could have increased the possibility of retrieving my money. I have asked to escalate my case and am still waiting to speak to a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Oh XX/XX/XXXX Transworld Systems appeared on my credit report as a collections agency for XXXX XXXX XXXX XXXX in XXXX. XXXX, Florida. I was a patient in the Emergency room at XXXX Hospital in XXXX XXXX, Florida in XX/XX/XXXX. The hospital had my Medicare card ( part A and B effective XX/XX/XXXX ) as well as my Veterans Medical Card that has been in affect since XX/XX/XXXX. 

I immediately called Transworld Systems, they said they could not remove the debt but could file a dispute. I never received a call, bill or any other contact regarding anything owed. 

I called XXXX XXXX billing. I was told that they had received payment from the va in Full, in XX/XX/XXXX. They told me they would send a letter and tell the collection company. To date they still have the collection on my report. I called them and requested they contact their contact. Im trying to refinance my car and purchase a Home. I  need these items off of my report. 

They refused to do anything until they were Notified.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$14000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

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

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

CAPITAL ONE XXXX : XXXXXXXX XXXX XXXX Hello, A hard inquiry has been on my account since XXXX of XXXX. It caused my credit score to drop. I have not received a card from Capital One. I contacted them as well they have nothing on record. I really need this removed as I'm looking into moving. Can you assist with this please? 

Thank You XXXX XXXX email : XXXX XXXX
Product: Checking or savings account

Citibank NA Fraud Department placed a hard hold on my account for no reason. They refuse to service my account over the phone. I have escalated my concerns to the Citibank Executive Response Team and they also refused to assist. 

Since I was abroad Citibank refused to allow me access to funds. I have received several XXXX transfers from family for expenses thus not being able to access funds ( last XXXX transfer ). Citibank deliberately blocked my acces to my account. 

They discriminated against me because of national origin, XXXX XXXX  and gender. My debit card was blocked by the fraud department over XXXX times since Ive been abroad. Ive been abroad for over 5 months. They claim they need to speak with the account holder thus being myself. I am the only authorized signer on the account.
Product: Student loan

I have contacted XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and in XXXXXXXX XXXX XXXX. Both times I was sent an email by XXXX, a representative from XXXX, stating they needed more information and to call them ( XXXX ). I filled out my application in XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX  - a public service career. I assumed this would be a fluid process- it has not. They only verbally tell me what I should insert on the form and when I do, they send me another email stating to " call them because of errors ''. After my first " erroneous '' application ( they indicated I did not put " teacher '' and correct dates on the application ) the staff member told me the exact dates to add to my second application - I wrote the exact dates she indicated based on my years of service as XXXX XXXX and wrote XXXX XXXX XXXX. They denied my application again. I asked them if they could send me any document that would indicate what I needed and what the errors were- they refused twice. It appears they just keep moving the " goal post '' each time I fill out an application. I have four college degrees so I believe I know how to follow directions and fill out a basic application. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus on XX/XX/XXXX to remove the Accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please remove the following items off of my Credit File : XXXX XXXX XXXX XXXX : {$440.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$930.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX  XXXX XXXX : {$350.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$0.00} U.S. Bankruptcy Court XXXX  XXXX bankruptcydismissed Reference # : XXXX U.S. Bankruptcy Court XXXX XXXX bankruptcydismissed Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me extreme frustration and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX  have assisted XXXX in making my life extremely difficult to live for the last few years. Theyve done this by reporting false late payments on my consumer reports which led to my scores dropping from the low 700s to the mid 400s. This has in turn affected how lendable I am in a negative way and has prevented me from getting a house, a car, credit, cards or even bank accounts. Its scary thinking about all the sleepless nights Ive had due to this particular issue. The consumer reporting agencies have violated my rights as a consumer under title 15 Chapter 41 Credit reporting agencies section of the US Code.
Product: Debt collection

Experian Information Solutions , Inc . 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

2. Provide me with all documentation used to verify the accuracy of the disputed information. 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Checking or savings account

Bank of America LOST MY MONEY. Despite numerous attempts to resolve this problem with Bank of America XXXX see XXXX, XXXX, XXXX XXXX, I am still not getting anywhere on this. Bank of America says that they escheated my money to State of Wisconsin XXXX see attachment XXXX ). I did contact State of Wisconsin. State of Wisconsin said they DID NOT GET ANY MONEY FROM BANK of AMERICA in my name XXXX see attachment XXXX ). State of Wisconsin suggests that a representative of Bank of America contacts State of Wisconsin to resolve this problem ( see the attachment ). To resolve this issue, I want Bank of America to contact StatXXXX of Wisconsin to figure this problem out, and to find my money, and tell me where it is in writing. BANK OF AMERICA IS RESPONSIBLE FOR LOOSING MY MONEY. WHEN YOU FIND IT, SEND IT AS A CHECK TO MY HOME ADDRESS.
Product: Debt collection

First both my parents last thrusday. I immediately attempted to retunt eh call of XXXX XXXX XXXX or XXXX his numner is XXXX XXXX XXXX he said he is with Client Services. He told to me I had a debt that it had to be paid immediately. I explained to him I will look into this and get bck to yoiu by Monday.That was not goog enough for him he them proceed t tel me about my character and ho9w all people like mne are alike they say they are going to do somethig and they dont it and how he had to make a decesion today. I told him I will not be making any decesiona nd will spak with you on Monday. 
I call him on Monday as promised. He was not available and I left a message. He called and left me XXXX voicemails telling me that becuase where I live is the reason and its a hassel. So I need to contact him immediateely. 
He left message saying he is trying to help and offered no solutions rather threating tones and frsutrastion about why I am not returning his calls. 
Then he said I refused to work with him. I never refsued anything since he offwerend notherin but telling me how I could not hij call him back and that I need to call him on my lunch break. 
He also said I should be off work saying that you had time and to call on your break and did not which means you do not care. All these call were in one day! 

While speaking with him he made a disturibing comment that I spoke too slow and I was wasting his time and the enitre time never offered any solutions. Then he threatened me saying if I do not call back today he was going to close my case and move it on to the legal deprtment and I will be sued. 

The one time I did speak with him ; He kep threatening hat I will be sued if I do not take care of this debt and he knows all about " you people '' XXXX said that I will be sued in court and the judge does not like " people like me '' and I will end up paying more. 

His comments were racially dsicrimainate and threatening. His tone was aggreesive and telling me I spoke slow rude. 

I want to ressolve my debt but not being threatend by people r refefered to as " people like you or " you people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had the subject bill in review at XXXX XXXX XXXX with a gentleman XXXX because my insurance company said they were going to paying a portion. 

XXXX XXXX XXXX sent the account to collections anyway. 

I contacted XXXX XXXX at the collections company XXXX XXXX on XX/XX/XXXX and paid {$850.00}, what she said would settle the debt in full. See attached letter from XXXX XXXX. 

Thank you for any attention you give this matter. 

Have a great day!
Product: Debt collection

My debt was XXXX because of XXXX fraudulent practices, which Navient Solutions LLC was well aware of. They passed the collection off to XXXX XXXX XXXX who keeps attempting to collect. Ive told them that they can check with XXXX XXXX and/or Department of Education for verification, but they insist on pursuing the XXXX debt and I want them to stop. Please make this happen.