23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/2019, Navient switched my loan repayment from paper billing ( receiving a paper bill in the mail every month ) to some type of online billing for 2 loans. Prior to this switch, I made all of my loan payments on time. Two loans were not switched to online billing and I have continued to receive paper statements and make those payments on time. I did not initiate the change in billing. 

After being contacted numerous times by telephone regarding late payments, I investigated and contacted them at one of their toll-free numbers. I was informed that the online notices were going to two email addresses that were no longer valid -- one was several years old and one was a couple of years old. 

I requested that I begin receiving the paper statements again, immediately. I was told on three occasions -- once in XX/XX/2019 and twice in XX/XX/2019 -- that I would be switched immediately. I also received a weird form letter from Navient after the first call that indicated I had never been switched off paper billing. They continue to call and harass me daily for payments, but have never switched me back to paper billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, Company Inquiries : XXXX 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: Debt collection

XX/XX/2018 sent out an itemized bill with services listed, violated HIPAA laws Debt for {$430.00}
Product: Vehicle loan or lease

I was denied a loan by XXXX XXXX on XXXX XX/XX/2020 based on the recommendation of detail from Experian. I applied for a $ XXXX motorcycle loan. I have $ XXXX in savings, receive $ XXXX annually from my military retirement and VA XXXX and an additional $ XXXX payroll from my XXXX with I am the sole owner. I have a very good credit ( XXXX ) with a debt to income ratio of 20 %. The loan would raise my DTI to 24 %. Experian denied my credit application and the provided explanation was nonsensical. I have attempted to follow up with XXXX, but they rely solely on the Experian approval for loans. While I am positive I will be able to secure a loan through another company, Experian 's ability to deny my credit application leads me to believe that they are abusing their position in the financial market place and there is no mechanism of recourse in addressing this with them.
Product: Credit reporting or other personal consumer reports

Dispute XXXX Account Number : XXXX. 
Source of dispute information : XXXX XXXX XXXX XXXX  Type of disputed information : Payment History Violates Law Dates associated with item being disputed : XX/XX/2023 Explanation of item being disputed : 15 U.S. Code 1681a 2 ( A ) ( i ) -Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This missed/late payment is considered as a transanction and is not supposed to be reported to my consumer report. 

Dispute XXXX Account Number : XXXX. 
Source of dispute information : XXXX Number Type of disputed information : Payment History Violates Law Dates associated with item being disputed : XX/XX/2023 Explanation of item being disputed : 15 U.S. Code 1681a 2 ( A ) ( i ) -Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This missed/late payment is considered as a transanction and is not supposed to be reported to my consumer report. 

Dispute XXXX Account Number : XXXX. 
Source of dispute information : XXXX  XXXX Type of disputed information : Payment History Violates Law Dates associated with item being disputed : XX/XX/2023 Explanation of item being disputed : 15 U.S. Code 1681a 2 ( A ) ( i ) -Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This missed/late payment is considered as a transanction and is not supposed to be reported to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a HELOC account in XX/XX/XXXX over the phone and they pulled my credit report. On XX/XX/XXXX, I used the only email sent to me by Discover to start loading documents but it only allowed me to enter the same personal info that I shared over the phone in XXXX Once complete, I hit submit and Discover then pulled another hard credit bureau while I already had an open application with them. The email they sent should have informed me that I already have an application but it did not and it pulled a XXXX credit inquiry when it was not necessary. I called Discover and they cancelled the XXXX application but this seems to be a harmful practice for consumers. I find myself to be a savvy consumer and this deceptive practice has probably impacted many other consumers as they are pulling a new credit inquiry when the consumer doesnt understand or want that XXXX pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

Card was opened in someone else 's name and has me as an authorized user. 
XXXX XXXX  was the card issuer, XX/XX/2019 when it was opened. 
XX/XX/XXXX when closed. 
XXXX dollars was 30 days late and card was charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts on my credit report that do not belong to me now I have gone thru the bureaus and the furnishers I have been sending them multiple letters and phone calls regarding this how is this on my credit report if it's not mine I need this taken care of ASAP!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX I Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXX : XXXX # : XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX : XXXX # XXXX XXXX XXXX : XXXX # XXXX XXXX XXXX : XXXX # XXXX 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
Product: Credit card

I am writing to formally dispute a charge on my Barclays XXXX XXXX XXXX, that my credit card company has as a chargeback denial. Below are the details of the disputed charge : - Charge Amount : {$330.00} - Charge Date : XXXX XXXX, 2024 - XXXX : XXXX XXXX On XXXX XXXX, 2024, I purchased round-trip tickets for XXXX individuals using my Barclays XXXX  XXXX XXXX XXXX On the day of our return flight, XXXX XXXX, 2024, my son became severely ill and was unable to fly. Due to his condition, he needed immediate medical attention and could not travel to the airport. As he is a minor, an adult had to stay back with him. 

I contacted XXXX XXXX and requested that the return leg for XXXX individuals be changed to the following day. We were assured by XXXX XXXX that we would receive a refund of {$330.00} for the return leg of the journey for the XXXX individuals. New tickets for the following day XX/XX/2024 were purchased using a different credit card. 

After a week, I noticed that the refund had not been issued to my Barclays XXXX XXXX XXXX. I contacted XXXX XXXX, who confirmed that the refund had been processed on the same day and suggested that I check with my credit card company if the refund had not been received. 

Upon contacting Barclays, I was informed that there was no record of the refund and requested I contact XXXX XXXX to obtain a transaction ID. After providing Barclays with the transaction ID I initiated a dispute. However, after XXXX  days, Barclays informed me that XXXX XXXX stated the charge was legitimate and that my child had traveled on the original date, providing an itinerary as proof. 

I appealed this decision, clarifying that it was another child who traveled on the original date and provided the new flight information for the child in question, which was purchased with another credit card. As well as chat correspondence between myself and XXXX XXXX XXXX agent who confirmed the date, amount and confirmed the last XXXX of the XXXX the amount was refunded to as well as provided the transaction ID. Despite this, Barclays denied my appeal, stating that they could not issue a refund. 

Given the circumstances and the evidence provided, I believe the charge of {$330.00} should be refunded. I request that Barclays review this case once more, considering the documentation from XXXX XXXX confirming the refund and the new flight information proving the change in travel plans. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

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

On XX/XX/2017 Cbcinnovis gave me a hard pull which I did not authorize. I never did any business or got a loan from this company. This is fraud and I would like it removed from my file as soon as possible. I had spoke to there customer service team and they had said would remove any hard pull since I never authorized it.
Product: Credit reporting or other personal consumer reports

I received a letter from Mohela XXXXtudent Loan Servicer stating that my loan has been forgiven on XX/XX/XXXX. It states the forgiveness is effective as of XX/XX/XXXX and that they have or will notify all the national credit bureaus. I called Mohela to get a more accurate estimation of how long it takes to update my credit reports with this information and I was advised by XXXX separate representatives that it would take approximately XXXX business days which equates to XXXX  months to see an update on my credit report. I advised the last representative that I would like to speak with someone else regarding this and was told I would be transferred to someone in the XXXX department, upon transfer I was disconnected. I then checked my credit report to see that Mohela hadn't updated any information on it since XX/XX/XXXX. Since I have not been able to address this issue with anyone in the company other than to be told of this XXXX business day timeframe I am making this complaint as I believe waiting 6 months to see an update on my credit report is a violation of the Fair Credit Reporting Act and of my consumer rights, this timeframe is not fair and timely and could cause an undue hardship by not reflecting current and accurate information and affecting my overall XXXX XXXX.
Product: Debt collection

I have no idea what has happened. This debt showed up on my credit report XX/XX/2017 and I have no idea what it is for or when or why I owe it. Company will not respond to my requests for validation.
Product: Credit reporting or other personal consumer reports

I just checked my Equifax and XXXX Credit Report and it shows multiple billing errors. Please see the dispute letters I sent to the Bureaus.
Product: Student loan

my son who will be XXXX years old this XX/XX/XXXX, made this loan with out my consent and now he is struggling to make payments and now 1st time I am hearing about this through Sallie mea loan. calling me. instead of them calling me to verify if all the information my son put through on his computer was rite then maybe. but he added my social security number, cell phone, address and mailing address and emails. why did n't sallie mae call or email before approving my sons loan .that simple now there harassing me all day during my work hours.
Product: Mortgage

I made a double payment to my mortgage this month, and the terms of mortgage indicate that additional payments to my mortgage should be applied to the principal. However, in looking at their website it appears that they treated it as an advance payment instead. There is no clear way to make individual payments to the principal outside of setting up autopay.
Product: Credit reporting or other personal consumer reports

Despite numerous correspondences and efforts, it appears that the issues persist. As I have expressed repeatedly, the presence of late closed accounts and charge offs on my credit report is greatly impacting my financial standing and causing significant distress. It is imperative that we take immediate and decisive action to rectify these inaccuracies and restore the accuracy of my credit profile. 

I kindly request that you escalate this matter and exhaust all available avenues to address the late closed accounts and remove the charge offs from my credit report. 

I understand that resolving these matters may be challenging, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. The following accpounts should be remove as soon as posssible : XXXX. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. DEPTEDXXXX XXXX* Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX Balance Owed : {$200.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Mortgage

XX/XX/XXXX: Purchased Home - established with CitiMortgage Refinance a few times to go with interest rate. Most current rate is 6.25 %, fixed 30 year. HELOC also was 4.75 %. 
Payments from ACH - acct established with Mortgage set up, HELOC was EZ PAY from same acct. 
Business losses starting in XX/XX/XXXX/XX/XX/XXXX - XXXX 's income dropped significantly, Business closed door XX/XX/XXXX. Chapter 13 BK filed for business in XX/XX/XXXX. 
XX/XX/XXXX : ACH - EZ Pay cancelled by Citibank due to BK status XX/XX/XXXX : ACH - EZ Pay re-established by Citibank and XXXX XXXX for automatic payments again. Payments continued to be withdrawn and credited with no issues until end ofXX/XX/XXXX XX/XX/XXXX : Citibank accepts letter from Attorney giving permission to Citi to deal direct with XXXX XXXX to modify mortgageXX/XX/XXXX : Citibank starts submittal process and assigns point of contactXX/XX/XXXX thruXX/XX/XXXX : Citibank starts with first Mortgage change - sends 6 notifications to court and attornies about payment changesXX/XX/XXXX : Citibank takes and credits mortgage payment, but not HELOC - branches can not take payment, modification team can not take payment, BK dept very difficult to reach. No notification from Citibank that they have not applied payment This went on every month throughXX/XX/XXXX. 
XX/XX/XXXX : Citibank filed motion to relieve stay so they could foreclose. 
XX/XX/XXXX : XXXX forced BK dept to take and credit payments - money was always there. 
BK dept established Suspense account since they did n't know where to credit payments - {$5200.00} to first, {$10000.00} to HELOC suspense. 
XX/XX/XXXX : Citibank withdrew Motion to Relieve Stay after XXXX XXXX  attorney contacted them and challenged their actionsXX/XX/XXXX : This morning on the phone Citbank told me they had decided to deny the modification. I have asked for this in writing with a copy to the BK Trustee and my attorney.
Product: Credit card or prepaid card

I purchased a sofa from Home Depot. They charged me a higher amount than the online price ( approximately {$200.00} ). When I called Home Depot, they refused to honor the online price and gave me a customer satisfaction refund of {$50.00}. I notified Citi and filed a dispute with this information. They sent me a picture of Home Depot 's return policy and closed the dispute, ignoring what I had said. I called Citi, who said that they would continue to evaluate this dispute. However, online, they have already closed the dispute and sided with Home Depot.
Product: Debt collection

I am receiving phone calls from Monterey Financial, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have contacted them to stop the calls. The looked me up and I do not have an account with them, which they verified! They have no procedure in place to stop the calls and want me to give them my social security number, which I refuse to do, and is my right!
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted more than 40 complaints, as shown on the included print screen shots, with lots of verifiable evidence, in which is clearly seen XXXX XXXX, their new partner after selling their operations here in XXXX XXXX, called First Bank, as well as XXXX XXXX, 3 main banks, are incorrectly reporting my accounts with them as delinquent, charged off, not paid as agreed, no matter all that is simply false : They, as the original financial institutions which granted me the required credit and account, for credit cards, charge cards or personal loan, are precisely the original financial institution : None of them are an indepemdent collection agency, where accounts are sent when the customer does not respond by any means in order to try to collect the debts. Precisely that was not the case with any of this accounts as the verifiable evidence shows. But, no matter your agency shows the following : " On your side through lifes financial moments.

Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' The fact is, I never see anything like this statement shows from you, or the 3 Federal Courts system, or 3 main credit bureaus at all regarding all this, where I always presented evidence of clear violations against the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act, and this keeps leaving my credit applications denied and denied, again and again, showing deliquencies that are false, profit losses that are false, and just leaving us no choice than either find a co debtor for critical needs, or looking for financial institutions like XXXX XXXX, precisely owned by one of these Banks, First Bank, which could lend us the money BUT A TOO HIGH INTEREST RATE : HOW IS THAT NONE OF YOU HERE AT THE CFPB, OR THE FEDERAL COURTS, OR THE 3 MAIN CREDIT BUREUS ABLE TO CONNECT THIS IS THE REASON FOR THIS BANK FRAUDULENT REPORTS? PRECISELY, THEY JUST WANT TO JUSTIFY TO CHARGE A TOO HIGH INTEREST RATE, JUST TO SATISFY THEIR UNFAIR CAPITALIST AGENDA : THEY JUST WANT TO EARN MORE MONEY, NO MATTER AGAINST THE LAWS, THEY ARE PRESENTING THEMSELVES AS COLLECTION AGENCIES AT MY CREDIT REPORT AND THAT IS FALSE, I PAID DIRECTLY AND ONLY TO THEM WITHOUT LOSING CONTACT TO THE ORIGINAL INSTITUTIONS AND EVEN TO THE ORIGINAL ACCOUNT NUMBERS WITH ALL RECEIPTS TO PROVE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX Balance Owed : {$550.00}, XXXX XXXX XXXXXXXX Balance Owed : {$19000.00}.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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. 1681s-2 ( A ) ( 1 ) 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: Mortgage

Hello, I received a Loan Estimate on XX/XX/21 and was told by the agent that rates have come down to 2.75. 

I requested an update and the loan officer refuses to send me one until I am out of attorney review. 

The company is Cross Country Mortgage.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea why they're there. I routinely check my credit, but today, unexpected discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but that didnt helpthe inquiries remained. I am really frustrated, and I am requesting that the documents Ive submitted be thoroughly reviewed so I dont have to deal with this ever again.