23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Noticed inaccurate information regarding a student loan I had with Salie Mae. 
XX/XX/XXXX requested loan documents.Called into customer service and was told I will be mailed original copy of signed agreement showing amount and interest rate. 

XX/XX/XXXX followed up on original request of loan documents. Provided address. Was told it was submitted but not all the way. 

XX/XX/XXXX followed up on 2nd request of loan documents. Was told documents were sent out XXXX. Said they did not have complete address missing unit #. Again provided complete address had employee confirm address by reading it back. Let her know if i do not receive the documents within 14 business days starting from today I will file a written complaint with the ombudsman and after that I will need to take legal action. 

Have only received " Notice of Loan Guarantee & Disclosure Statement. 
I have requested a number of times the original documents and Navient has been unable to furnish this request. Instead will send a statement. 

Loan ID # XXXX This has been a problem that I have been unable to resolve through their customer service department. No matter how many times I called and representatives I was escalated to I was never provided documentation of the loan commitment other than a printed statement of the loan. I was unable to move forward at that time and put the issue and payments on hold. I recently found out about CFPB and hope that this can resolve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a fraudulent account. I sunmittted the police report and theft affidavit but transunion has refused to remove the account let the fcra 605b
Product: Credit card or prepaid card

Two charges were disputed 1. Was to XXXX on XX/XX/XXXX for XXXX XXXX. Was XXXX on XX/XX/XXXX for XXXX. I disputed both these transaction as fraud. Goldman Sachs did not file the dispute for either charge when I called. They issued me new card numbers when I called in XXXX and XXXX. I had to call back again on XX/XX/XXXX to find out no dispute had been submitted. On XX/XX/XXXX a representative told me they had not been submitted. I transferred to a supervisor who changed the story and told me they had, but couldnt explain why I hadnt received any information on the dispute.
Product: Money transfer, virtual currency, or money service

I want to be able to link my account to anything and any app
Product: Checking or savings account

Credit karma does not have a phone number or a in person center for customers I have to speak to someone over email which is annoying. I sent them my ID and green card and they refused to accept my green card though they asked for it and want another picture. I sent them scanned documents they still have yet to help me get into my account. I am expecting money in that account and there is no way to get into that account.
Product: Debt collection

I am disputing this account because I canceled the water service several months ago and requested that XXXX pick up their machine. They are trying to scam me into paying for something I do not owe. I have asked them if they continue to pursue this matter, and I will report them to the appropriate authorities. 

Please assist.
Product: Credit reporting or other personal consumer reports

I Have inquires on my credit profile that i did not authorize and I have to received anything from any of these companies the need to remove immediately. My complaint about me being a victim of identity theft and I have submitted proof of my report several times. This information is inaccurate and need to be removed from my credit report immediately. According to 15USC 1681i ( a ) 1 and 15USC1681i ( a ) 6 ( B ), 15USC1681i ( a ) 5 ( b ). 
I have called them and asked them to remove the inquires as well. 

The Inquires Are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I have had an American Express Card since 1979 and have been generally satisfied with their service until now. 10 days ago, I asked for a credit card balance transfer of {$5000.00} to pay another credit card. AMEX has not performed the transfer and does not intend to transfer the money for another week. Adding insult to injury, AMEX will charge me a balance transfer fee of {$150.00} for this " service '' I have complained to AMEX to no avail.
Product: Mortgage

Hello, I am having an issue with my mortgage bank. Basically what happened was last year my loan was sold to Freedom Mortgage Bank. The bank lowered my mortgage payments by {$200.00}. I had called few times and asked why and they explained to me that my property taxes went over {$2000.00} down a year was little confused about it so I had called again and different represanative told me the same reason. I did n't believe that property taxes can go down so much, but I did n't know what else to do so I believed them. This is my XXXX home so I am really new at this. Now a year later they sent me a letter stating that my escrow is over {$4000.00} short so they want me to pay for it. I had tried calling them and they are giving me lot of runs around and no one i willing to explain to me how they made this mistake and why do I have to pay for their mistakes. I had tried to get help by contacting my town hall tax assesors, counselor for my district, even the loan officer from previous bank before my loan was sold and no one is able to help me. I just want to know if there is anything that could be done. I honestly do n't think that this is right. It was their own big mistake and now there are trying to make me pay for it. Thank you
Product: Checking or savings account

I wanted to close my savings account with Citizens Bank. The account contained a little over {$5000.00}. I do not live near a Citizens branch, so all my dealings have been by internet and phone. I wrote a letter to Citizens requesting closure, and also containing information requested by them. They should have received the letter on or about XX/XX/2023. 

After about three weeks of receiving nothing, I contacted Citizens customer service, on XX/XX/XXXX. After that I called them weekly, but got no meaningful information except that I found out from one of the agents that my account had been closed on XX/XX/XXXX. Finally, on XX/XX/XXXX, I talked to a supervisor. After hearing of my problem, he stated that Citizens would stop payment on the check ( if it ever existed ), and issue another one. After receiving nothing I called again on XX/XX/XXXX and talked to the same supervisor, who told me that I had been assigned a case number and that he would submit my case again. After still receiving nothing, I called again on XX/XX/XXXX, talked to yet another manager, and was informed that my case was being reviewed by " Operations. '' I am still waiting. Since " Operations '' has been reviewing my case for more than two months, I am losing hope that my money will ever be returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is. Transunion, XXXX and XXXX are report inaccurate information on my credit report, which is affecting my ability to get approved a home. I have tried to fix this issue and have wrote them several times alerting this of the inaccurate and the violations that they are making to my credit report.
Product: Credit reporting or other personal consumer reports

I will never stop refilling complaint to the MERCEDES-BENZ FINANCIAL SERVICES for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/year>, XX/XX/year>, XXXX XXXX and XX/XX/year>, alongside with this complaint is the identity theft report number XXXX allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   partial account numbers are listed in the spreadsheet attached this complaint. ( Please also reference the following pages on the attached credit report : 8, 9, 10, 11, 12, 13, 14, 15, 16, 30, 31, 32, 33 and 34. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. 

XXXX and Transunion is reporting incorrectly that I am 120 days past due on the XXXX partial account numbers are listed in the spreadsheet attached this complaint. ( Please reference pages 40 42 of the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. 


XXXX is reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers are listed in the spreadsheet attached this complaint. ( Please see pages 43 AND 44 of the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

Foster & Monroe LLC has reported an alleged debt on my credit report that I do not owe. Despite requesting verification from the original creditor, they have failed to provide any verification of this debt. However, Foster & Monroe LLC continues to report this unverified debt on my credit report, which is causing harm to my credit score. According to official records, Foster & Monroe LLC has forfeited its right to transact business in Texas. This forfeiture means they are not authorized to engage in any business activities in the state, including debt reporting or collections. Proof of the forfeiture is attached. The continued reporting of this unverified debt by a company not authorized to conduct business in Texas is a clear violation of the Fair Credit Reporting Act ( FCRA ) and state law. The failure to verify this debt and their ongoing reporting of it constitutes unlawful practices that adversely affect my credit profile.
Product: Checking or savings account

I have an account with XXXX XXXX XXXX and the company that collects the payments is, Monterey Financial Services. My problem is that over the period of more than a year Iv'e been making my payments through a direct deposit account with XXXX XXXX . Last year alone, Monterey Financial has charged my account {$1400.00}, plus my maintenance fee. In return, I am not able to use my services because they accuse me of being late on my payments. Iv'e done everything possible to explain to them that this is a direct payment from the bank. Iv'e provided them with copies of my bank statements indicating that my payments have always been up to date. Iv'e been in constant communication with Monterey and even though they acknowledge that something is amiss they make no effort to right the wrong. I have come to the conclusion that this has to be a case of fraud. They hardly answer my e-mails and when they do they only ask for more copies of bank statements that have nothing to do with last year 's actions or lack of. I had a submitted a complaint with your office, but was told that either I would have to seek the services of an attorney or go to Legal Services.  Thing is, I don't qualify for Legal Services and with my XXXX XXXX XXXX XXXX pension, I honestly can not afford an attorney. I would like for you to provide me with an orientation as to how I could file charges of fraud against this company.
Product: Debt collection

This company Debt Solutions never sent me a Dunning Notice upon receiving the debt in XXXX 2016. They just placed a collection account on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Please update the following accounts as paid, never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. XXXX, Transunion, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. According to the U.S.C 1681 Section 602 A. States i have the right to privacy.
These addresses do not belong on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

tax liens ... was removed and put back ... they 're not liens of anykind
Product: Checking or savings account

My account had a balance of XXXX. I took an XXXX XXXX, then spent XXXX at XXXX  and ordered a XXXX XXXX. This left me with XXXX. I transferred in XXXX into my Fifth Third Bank Account. They stole XXXX leaving me with a balance of XXXX. They keep stealing small increments of cash as if I don't notice. I want my XXXX back now. I have perfect math skills. Give me my XXXX back. Me and a witness watched them do it. I only used my card at 3 businesses and keep all receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the only Bureau to fix this, Experian and XXXX are unable to. I had a XXXX account from XXXX to XXXX, this was closed due to divorce and foreclosure. Since XXXX my debt has been sold twice and re-aged both times. The Current holder is XXXX XXXX XXXX located in XXXX XXXX, PA. They have my account listed as OPENED in XXXX of XXXX. This is an illegal reporting under FCRA but with all of my complaints XXXX said its accurate and the Bureaus ( with the exception of Transunion ) has accepted this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; 1st Midland Mortgage was paid in full and still show my balance higher then my credit limit. This affecting my credit score because it showing I'm over the limit. 
2nd it showing on XXXX late on XX/XX/20 and no payment information from XX/XX/20 to XX/XX/20 and is also affecting credit score. 
3rd on all 3 credit agencies ( XXXX, XXXX, and XXXX ) are reporting different and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a some adresses that do not belong to me. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following cellphone numbers are not mines please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

First Progress Card is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. First Progress Card does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are reporting an open date of XX/XX/XXXX and over 120 days of inaccurate late payments since this date. It states that the Alleged debt and Account number XXXX belongs to a XXXX XXXX. The amount is {$120.00}. This debt does not belong to me. I contacted them via phone in XX/XX/XXXX but the debt is still being reported. 

They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws. Please delete and block this inaccuracy within 4 business days.
Product: Credit card or prepaid card

This account was closed and I have been reaching out for the last year to come to a resolution regarding this account and its a ffect on my credit score.   Nordstrom has continued to tell me that my paying a {$750.00} closed account  was not good enough to have it removed from my Credit Bureaus. I have sent letters, Faxes as well as a few complaints through CFPB. I am fed up and  ready to take Legal action to settle this account and get it removed. this is my final attempt to reach out myself to come to some kind of agreement.
Product: Debt collection

Hi I had accident involving my XXXX  getting XXXX  went to XXXX  XXXX XXXX had massive bills but was able to work with them and get some of the bills reduced I had paid my medical bill on XX/XX/XXXX with Dependon and have proof on my statements proving I did I was sent to collections on XX/XX/XXXX with no warning and with having my bills payed for.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I noticed hard inquiries that I did not authorize, I did not make nor did I approve ANYONE to pull my credit. 
Delete these inquiries off my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : DEPARTMENT OF LABOR XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or 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: Checking or savings account

XXXX Deposited ck # XXXX for {$260.00} through the mobile app. Called usaa and was informed there was a hold. Was told call in a day or so. 
XXXX checked the account and it stated that the check # XXXX had cleared through the originating Credit Union on the XXXX. 
XXXX. Called USAA at appx time XXXX talked to a Usaa customer service lady and she informed still on hold, I informed her # XXXX had cleared she looked into it and said it was from a treasury ck return. ( I believe it was about $ XXXX a XXXX XXXX XXXX payment that previously was denied deposit because their deposit app can not distinguish several checks with same monetary amounts but different ck numbers that are printed on it. It might have been past expiration date due to their app error ). I informed the USAA XXXX that I have had USAA do this in the past with several checks ( I believe it's been over XXXX times the past XXXX years ). This has caused me unnecessary fees in the past and tomorrow I will be charged an unnecessary fee because of the hold. I told her I would give USAA until or thereabouts XXXX XXXX to release the monies since they have already cleared the other institution. 
XXXX At about XXXX Talked to USAA XXXX and she said sorry its still on hold. Seems that all the customer service reps were very nice but could not release the held funds. Since I can not use those funds to pay my car insurance-the USAA auto XXXX side will again charge me {$25.00}. Since I pay from my USAA AMEX card and at this time since I can not pay on my card-I not only lose the {$25.00}, the payment that shows my card being paid, interest charge of a higher balance, the improvement of my payment history, the unnecessary stress this has caused me.
Product: Debt collection

Hello, I purchased three items of jewelry from Zales Outlet to be delivered to the Zales store located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX in XXXX. These items were charged to the credit account opened through the store and managed by Comenity Capital Bank XXXX XXXX XXXX, XXXX XXXX, TX XXXX. However the items were misplaced by the local store & not delivered to me. After two visits, the items were located & I finally received the items XX/XX/2019. 

Despite repeated discussions with Comenity Capital Bank prior to receiving the ordered products, they would not enter a disputed claim. The bank states they have no way to dispute the charges or confirm delivery with their related service for Zales & will not remove the charges or eliminate fees for the period when Zales did not deliver product or services. 

When speaking with XXXX & XXXX in Customer Care, I was told they will not dispute the charges and would only waive a {$39.00} late fee instead of resolving the issues. They would continue to try to collect late fees & interest for items not received instead of opening a dispute of the charges.