23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I contacted Fedloan a month ago about receiving a refund for payments made to them during the COVID pause. This particular loan was paid off to Fedloan during that time as well as a portion of another payment to that same loan. I explained to them that because I paid off the loan before my loan servicer was changed to XXXX, that Fedloan would need to submit the request to the department of education. They understood/agreed and said that they would submit the request but apparently have still not done so a month later. I have contacted them 3 times since that first call and they refuse to give any more information than " my request has been received. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Canceled My Auto Pay without notifying me, which led to a 30-day late payment report on my credit report. 

During the XXXX  Billing Period, XX/XX/XXXX to XX/XX/XXXX, My Auto Pay setting was canceled, leading to a 30 late date to my credit report. 
Account Summary ( ending XXXX ) Previous Balance {$65.00} Payments and Other Credits {$0.00} Purchases and Adjustments {$0.00} Fees Charged {$0.00} Interest Charged {$0.00} New Balance Total {$65.00} I set up my Auto Pay to pay from my Chase Checking Account ending ( XXXX ). I closed my not-in-use XXXX XXXX XXXXXXXX Checking Account in XXXX due to no usage. 

It seems that triggered a cancellation of Auto Pay from the XXXX Checking, and XXXX XXXX XXXX did not notify me that this was happening. 

On XX/XX/XXXX, I received a notification from XXXX XXXX/ and my other Credit Monitoring Service that my score dropped from XXXX to below XXXX due to a late payment ; I logged in and paid the balance immediately and called on the Same day to resolve. 

I called once again on XXXX XXXX, but nothing was resolved. 
I called once again on XXXX XX/XX/XXXX, getting a complaint number XXXX. Nothing resolved. 
I called in once again on XXXX XX/XX/XXXX, got a different complaint number XXXX. 
They told me it is just a complaint number without a dispute to the credit report. 
And some agent on the phone told me nothing is showing late on my account. 

I got transferred and bounced around different departments and they transferred me to XXXX without even communicating with me. ( I think the late payment report should be corrected by the bank first to all three credit bureau since the late payment was caused by cancelled auto-pay )
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir/Madam, I am writing to bring to your attention the ongoing issues I have been facing as a consumer with Experian, one of the major credit reporting agencies. I have disputed four accounts with Experian due to inaccurate information that they continue to report, despite being aware of its falseness. 

The account disputes appear on my credit file as XXXX XXXX  Bankruptcy I have never had a XXXX  Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy-ACCT XXXX Through their actions, Experian has not only violated the provisions of the 15 US Code 1681A, which guarantees the right to privacy, but they have also infringed upon the regulations set forth in the 15 US Code 1681B2, as they shared my personal information with a third party without my explicit written or verbal consent. This amounts to fraudulent behavior on their part. 

Experian claims to have conducted an investigation into my dispute and asserts that they verified the public record with the court clerk. However, I would like to bring to your attention that this particular public record has been deleted from my XXXX file. I have uploaded this information to Experian as evidence, yet they refuse to delete these disputed accounts from my credit file. 

Their refusal to act on verified and accurate information is not only disheartening but also detrimental to my credit score. As a direct consequence, I have suffered from higher interest rates and other financial difficulties. 
Furthermore, I would like to emphasize the recent data breaches that have occurred at Experian, which have posed a significant threat to my personal and financial information. 

These breaches have resulted in great harm to my credit score and overall financial well-being. It is evident that Experian 's inaccurate reporting, coupled with their failure to perform a thorough investigation, has caused me undue financial distress. 


In light of the aforementioned violations and the evidence provided, I kindly request that the Federal Trade Commission investigate the actions of Experian and ensure that they delete the disputed accounts from my credit file. This request is made with the expectation that appropriate action will be taken against Experian for their repeated violations of consumer rights and their failure to adhere to reasonable investigation standards. 


Enclosed with this letter, you will find the relevant public records document that supports my claim. I trust that you will carefully review the evidence provided and take the necessary steps to address this matter. I appreciate your attention to this issue and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent letters to each bureau asking them to verify the inaccurate information that is reporting to my credit profile. The accounts reporting to my report are not mine. It's been over 30 days and I have yet to receive a response back from them. I feel like I am being taken advantage of and being ignored. This false information is holding me back from a lot of opportunities. Please help me with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I actually messaged them and asked very nicely to close my account. And to use the secured portion of the deposit to pay the bill. After I asked them I forgotten about it. Well it seems that they took it o themselves to keep it open and before I realized that it was still open they had already had XXXX or XXXX late XXXX XXXX or more days late. I had to message and ask if they would remove the late marks as I felt it was their fault and they refused. They have caused me great distress and a bad XXXX as I have worked really hard to get my score up to XXXX at that point and score prolly dropped XXXX points.. They deliberately done that to cause me to be XXXX They prob are laughing now 15 USC 1681a I states report containing information solely as to transactions or experiences between the consumer and the person making the report ; The consumer can not sue the issuer unless the consumer writes a dispute letter to the credit reporting agency first,
Product: Consumer Loan

I paid off a Navy Federal Loan on XXXX/XXXX/2014 in full, yet Navy Federal is reporting the current loan status past due XXXX days. I am requesting Navy Federal send an corrected update to the XXXX Credit Reporting agencies ( XXXX, XXXX, XXXX ) to reflect the correct status as " Paid and Closed ''
Product: Credit card or prepaid card

I opened an XXXX credit account on XX/XX/XXXX for a purchase of {$46.00}. At the time I opted for paperless billing. I assumed, like my other accounts, I would be sent an email indicating when the payment would be due. It was XX/XX/XXXX and I realized I never heard anything from XXXX so I went online and registered for the online account access only to find mind bill was past due and I was charged a late fee of {$27.00}. When I contacted them by phone the representative explained to me that they don't send you anything to let you know when your bill is due if you opt for paperless billing. I explained the situation and they agreed to wave the fee and obviously I asked to go back to paper billing so I would know when my payment was due. I also made a {$30.00} electronic payment to the account. I received the paper bill in XXXX still showing the full balance of {$46.00} due. I assumed I had made a book keeping error and had neglected to make the payment to XXXX so I went ahead and made an electronic payment of {$46.00} that way the account would be paid in full. When I went back and checked my banking statement I found that I did, in fact, make the {$30.00} payment in XXXX so at this point my balance with interest was just {$18.00}. I called and spoke to a representative and asked that they just take the payment of {$18.00} and refund me the {$28.00} I overpaid. He said he took care of it. So I assumed at that point my bill was paid off. I then get the XXXX statement for a bill that was due on XX/XX/XXXX. That had a balance {$38.00}. It was the {$18.00} again plus another {$20.00}. XXXX of fees. So I make another call and spoke another representative who told me the previous person refunded the entire {$46.00} payment and never applied any money to the actual {$18.00} balance. So I paid the {$18.00} at that time on XX/XX/XXXX with the lady on the phone. I then asked her if I finally had a XXXX  balance. She said yes, my balance was XXXX. I received my XXXX statement which indicated I now have a {$45.00} balance. They were still trying to charge me the {$20.00} of fees and added an additional {$25.00} worth of fees. When I called this time I asked to speak to a supervisor. I spoke to XXXX ID # XXXX. He told me that he wouldn't do anything because my payment was late. He took no responsibility for the fact that my bill would have been paid off in XXXX if his employees did their jobs correctly, not to mention the fact that I had no way to know these payments weren't applied correctly until I received my statement rendering it impossible for me to make payments any sooner than I did. I told him this was unacceptable and asked to speak to someone in a higher position than his. He said there was no one above him, and that I could not even file a complaint over the phone I needed to file a dispute on their website, however XXXX XXXX website has no where to file a dispute. I should not have a negative impact on my credit score over a balance of {$46.00} because of XXXX XXXX severe lack of competent customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times thru equifax dispute process to remove an aged account that should be deleted, other bureaus have deleted it, but all I get is an automated response after waiting 30 days or more from them. After reading the fcra this account falls under the guidelines to be deleted! The inaccurate reporting of this is causing me financial harm
Product: Credit reporting or other personal consumer reports

I contacted equifax plenty times to remove the inaccurate information off my report Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX LA XXXX In accordance with the Fair Credit Reporting Act, I hereby request that they investigate and remove these items from my report. It is my understanding that they will verify the accuracy of these items with the creditor who reported them. Please eliminate any information that the creditor is unable to validate. I am aware that under 15 U.S.C. Sec. 1681i ( a ), they are required to complete this reinvestigation within 30 days of receiving this letter. 



Thank you for your assistance and attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am extremely stressed about this matter with Liberty Lending, as the consumer and natural person they are violating multiple federal laws. Congress says under 15 USC 1605 determination of a finance charge - the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. Truth and Lending says that the finance charge is the SUM OF ALL CHARGES, the charges i've been giving is significantly higher than the finance charge. XXXX XXXX, a representative from Liberty Lending also violated my rights as a consumer by contacting me after ignoring my cease and desist letter and failed to provide accurate information for the validation of this alleged debt. I, XXXX XXXX give permission to all parties involved to investigate this matter
Product: Credit card or prepaid card

I have a Discover credit card ( ending in XXXX ). In this card, I have {$25.00} available credit. Over a week ago I called Discover credit card customer service to request credit refund via ACH Transfer to my external bank account. However, it has been more than a week but I have NOT received the refund in my external bank account yet. I call Discover customer service for quite a few times, but never got resolved in this issue yet.

I request Discover to immediately refund me the {$25.00} available credit via ACH Transfer to my external bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2013, a guy approached my husband at the hospital waiting room meanwhile I was at the XXXX room, convinced him of this equipment rental for my post-XXXX recovery, got my credit card and personal information from my husband and disappeared. Stressed as my husband was waiting for the outcome of my XXXX, he thought that this guy belonged to the hospital personnel and he was n't we found out later. 
The rented Item was never delivered to my house, being an equipment rental, if it would had been delivered to my house, they would have had to pick it up as well. The pickup never happened because the item was never delivered. 
Since the item was charged into my credit card by XXXX XXXX, I called XXXX XXXX Credit Cards and told them that I never received the item. After a thorough investigation XXXX XXXX removed the charge from my credit card account. 
A year later or more, I received a call from a Collection Agency, XXXX XXXX XXXX XXXX, trying to get money from me that I never owed. According to this Collection Agency, the debt to a XXXX XXXX XXXX. I told XXXX XXXX XXXX, what happened again, that the item was never delivered to me. 
I also expressed to the Collection Agency, that if they had bought a debt that never existed from XXXX XXXX, they were supposed to take it against XXXX XXXX and not harass and yell at me, like they were doing every time I answered the telephone. 
I just learned from XXXX and Equifax Credit Report Agencies, the complete name of this Collection Agency that was calling me since I had a hard time trying to get their name because whenever I answered the telephone to them, they were always shouting at me and trying to intimidate me to make me pay for something that I did not owe, and do not owe. 
According to the Credit Report Agency XXXX, this Collection Agency has LEGALLY CERTIFIED that the debt belongs to me and that I did not pay it. 
My question is, how can a company LEGALLY CERTIFIES something that is not true. Moreover, try to hurt my Credit Record where I have always kept an average score of XXXX or more, since I do not like to owe, and I pay all my accounts in time. 
Based on what criteria Credit Report Agencies, believe Collections Agency statements over customers statements that have never had a collection, and have never paid late. 
Why not asking for trustworthy proof before placing a collection in my account. By not requesting proof or support for their allegations, before publishing something that hurt my name and my records, the Credit Report Agencies become accomplice of these type of unscrupulous Collection Agencies.
The same way that we might have not received approval for a credit card or a loan, based on this false information published, there should be a penalty for the Credit Report Agencies and for these Collection Agencies for giving false information to vendors or providers.
Thank you very much for your prompt attention to this matter, and looking forward to hear from you soon since I consider these false accusations in my credit reports to be damaging my image and my reputation.
Product: Mortgage

I am filing this complaint on behalf of my father. My dad passed away XX/XX/XXXX and had a mortgage with Bank of America. I became the representative to his estate XX/XX/XXXX. Since this time I have continually tried contacting the mortgage department to get information on my fathers mortgage. I have had to fax my legal documents to the mortgage department twice because they claim they never received them. While going through my fathers paperwork I came across a confirmation letter showing that he accepted the " Borrowers Protection Plan ''. So finally on Tuesday, XX/XX/XXXX someone from the mortgage department was able to give me information. This women informed me that the loan was in " foreclosure process ''. I explained that my father had this protection, so I got transferred to another department. I spoke to a women in the " Options Department '' who explained to me that yes in fact my father did have the coverage. However, XX/XX/XXXX the " bank made a strategic move and canceled it ''. I could n't believe it .... I asked her if any other coverage was offered to him and she said, " no we no longer offer it ''. I then asked her about the money my father already paid into the coverage and she explained that there was no cash value. I then said to her, " you take his money and then take the coverage out from under him and offer him nothing else '', she stayed quiet. I was then transferred to the " Foreclosure Department ''. Now I have to send {$3400.00} to reinstate his mortgage and stop the foreclosure process.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces. was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX I had my identity stolen and hackers got into my stock account and bank account. Ive got it all cleared up with the bank and I got my money back! But Robinhood whose holding my stocks havent responded and thats where all my money was! Ive sent hundreds of emails. Filed a police report. And even got a lawyer now and nothing yet. Can I please get help from someone! Ive complained to the SEC as well
Product: Debt collection

Here are the details and what I kindly request : 1. Debt Validation Needed : I've yet to receive comprehensive validation for the alleged debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). Understanding the specifics of this debt is crucial for me, including the amount and any documentation linking it directly to me.

2. Documentation on Debt Ownership : Could you please provide the purchase agreement between your agency and the original creditor? This request is based on my right to see proof of your authority to collect this debt, ensuring transparency and compliance with legal standards.

3. Proof of Licensing and Bonding : In the spirit of due diligence, I ask for evidence of your agency 's licensing and bonding to operate within my state. This requirement, aiming to protect consumers, aligns with general legal expectations for debt collection practices.

4. Missed Opportunity to Dispute : Addressing a critical issue, it's concerning that I was never provided the opportunity to dispute the alleged debt, as protected under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This gap in the process has significantly hindered my ability to ensure the accuracy and fairness in the handling of this debt. The Fair Debt Collection Practices Act ( FDCPA ), as specified in 15 U.S.C. 1692g ( a ), mandates the delivery of such notice. This is essential for providing consumers the chance to dispute or verify the claimed debt. The lack of any formal notification, substantiated by the absence of a certified mail receipt as proof of my informed status, starkly removes verifiable evidence that I was notified about this debt. This absence not only deprives me of my federal right to dispute but also places me at a disadvantage in safeguarding the integrity of my credit report. Given these circumstances, I kindly request that your agency provide me with proof of the certified letter purportedly sent as notification of this debt. This documentation is crucial for verifying that my rights under federal law were respected and that I was indeed given a fair opportunity to dispute the debt in question. 
5. Concerns Over Credit Reporting : The presence of this collection on my credit report, without proper validation or the chance to dispute, raises serious concerns. Reporting such unverified debt contradicts the principles set by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which guide accurate and fair debt reporting.
Product: Debt collection

I have paid this debt already with proof to XXXX XXXX at The South Carolina Consumer affairs at South Carolina Consumer Affairs, Consumer Advocacy, Complaint No. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. I want this company to stop harassing me
Product: Credit card or prepaid card

I received a Way2go card from the state of Oklahoma on XX/XX/2023 for the amount of XXXX dollars. The pamphlet states that the consumer can wire transfer funds to his or her checking account. I initiated the transfer on XX/XX/2023 and received an email from Conduent stating that the funds have cleared. I checked my checking account and XXXX has no record of a transfer and Conduent is holding my funds. When I called Conduent she asked for my SSN, birthdate, account numbers, and address and still did not process my transfer. I was told that I need to email Conduent my bank statements and driver license to get the wire transfer. I still dont have my money as of XX/XX/2023.
Product: Bank account or service

Citi bank had this promotion ( # XXXX ) to earn {$400.00} Cash Bonus when you open a Citibank Account package and deposit at least {$15000.00} into your new checking or Savings Plus account. I opened a " interest checking '' and " saving plus '' accounts with Citi Bank on XXXX/XXXX/2016 and deposited $ XXXX on same day have not touched it since. 
To this day, XXXX/XXXX/2016, I have not received my cash bonus. I have followed-up via an online chat session on XXXX/XXXX/2016, I was given a reference number and received a secure email, on XXXX/XXXX/2016, CONFIRMING that my account has met the necessary requirements to qualify for Promotion and I should have received the cash bonus 90 days after fulfilling the requirement ( 1month $ XXXX ). 
On XXXX/XXXX/2016 I followed up through online message system and they told me " they forwarded my complain to the concern department and necessary action will be taken to make sure that your issue will get resolved ''. 
To this day I have not heard back from their complain department or received my cash bonus. 
They have a good response time to online messages but only to give you general information about how they sent the message to proper departments to investigate and never get back to you.