23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have found a systematic fraud at Navient where they indirectly charge borrowers to simply change the bank from which their autopayments are drafted. 

I currently have an outstanding balance of {$61000.00} in federal loans serviced by Navient. I called Navient to simply switch my auto-draft from my XXXX XXXX XXXX checking account to my XXXX XXXX XXXX XXXX savings account. I was advised by customer service that the only way to do so was to cancel my current auto-pay. Doing so increases the interest rate on my loans by 0.375 %, which is the benefit offered by Navient for being on auto-pay, which the customer probably never notices. " XXXX '' ( # XXXX ) and her subordinate advised me to do this, saying I would not be charged a fee. The auto-draft authorization process takes about two weeks ( more or less ), even though my XXXX savings account was already authorized at Navient from months back, and is displayed as an option for my auto-pay. 

In summary, there is no way to change auto-draft banks without paying the extra interest for two weeks ; in my case, the interest is about $ XXXX {$9.00}. The fact that this extra " fee '' is accruing on a ledger is extremely opaque to the customer. They assured me there was no other way to change my auto-pay bank. Multiply the average outstanding student loan by the number of borrowers changing banks times 0.375 % interest, and I'm sure Navient is fleecing 7-8 figures from unsuspecting borrowers. 

Also note that Navient understood this is the case, and provided no relief for the extra money I had to pay. They would not allow me to reverse my decision, either, and continue to use my old bank under the old interest rate.
Product: Vehicle loan or lease

XXXX lease was on hold in forbearance and the told me one date. Next thing I know I called them to check status and they said I t was late to make foulest payment. I made a payment for two months. They reported 7 days after I had made the payments to make it current.

I never was late! Always paid on time.

I want to dispute this in my credit.

I will dispute this until they make it right
Product: Credit card or prepaid card

Bank of America. 
I closed my checking and savings account I had with the Bank in person at a bank branch. I was told the ONLY way to cancel the credit card account was online or on the phone. They have no online method to cancel the card, so I have attempted to call them. They do not answer the phone for over half an hour. 

I later decided to keep the credit card for a little longer. The system they use to pay the credit card off is 'bill pay. ' I have tried to set up an external account to via this bill pay system. However, it will not allow me to individually set up an external account, and states I am ineligible for bill pay. 

I was told then I need to contact another account to set up explusively to make payments from an external account. So I did this. 

In my opinion, this is an egregious use of delay tactics and substantially burdens the consumer. The entire 'bill pay ' fiasco very clearly shows that the Bank wants you to set up a checking account to make it easier for the consumer to pay their credit card bills -- obviously beneficial for the Bank to have a checking account to force unfair fees upon the consumer. Not to mention, the only way to achieve my method of paying a credit card bill is through their slow and inefficient phone service ; my calls in total took over 2 hours to solve the propblem.
Product: Debt collection

I disputed it and they had denied it this is not me I have health insurance and do not go to XXXX emergency rooms when I have XXXX and only go to there locations
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate and unverified information on my consumer reports which is harming my reputation as a consumer and hindering my ability to make necessary banking transactions. Reporting alleged debt of {$22000.00} allegedly owed to XXXX XXXX XXXX. Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$3300.00} allegedly owed to XXXX XXXX XXXXXXXX who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly owed to XXXX XXXX who I have no written contract with. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) harming my reputation as a consumer. Violations of 15 USC 1692d ( 2 ) using obscene language that I, the consumer find abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX / 30 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been locked out of Equifax for over 4-weeks. I have called and spoken with multiple equifax representatives who have been unable to unlock my account. I have gone through their ridiculous verification process countless times.
Product: Debt collection

Midland Credit Management isn't licensed in my state to collect this fraudulent debt. This company violated my consumer rights by placing this on my credit report without any notice nor was I given a letter to response within the 30 day time frame. FDCPA 1006.30a no parking of debt Midland Credit Management was asked to submit their documents and not itemize copies of papers of the spending on the account. I requested proof my signature and the original contract if one was signed. I didn't give any permission 15 U.S.C 1681b to open any account under my name. This collection agency attempts to collect a fraudulent debt. Midland Credit Management to remove this fraudulent account off my credit report without any investigation into the matter. Remove the follow account from XXXX  XXXX  reporting Agencies.
Product: Credit card

My last Target monthly statement showed XXXX cents. So I inquired by writing to the CFPB. The amount was not XXXX XXXXents but {$69.00}! 

That is, Target lied and deceived in the hope that I would pay no real attention to the XXXX cents but I did and I got the refund! 

How crooked this Target company to deceive so! 

Fine XXXXXXXX {>= $1,000,000} and more plus interest and give it all to the poor whom they bilk and cheat and deceive! 

Nor do I want to receive any XXXX  if even these ignoramuses know what THAT means! Ignoramuses, that is, as to Honesty and Decency and Integrity!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and want them to be removed from my credit report asap. 

XXXX  1. Identity Theft XXXX Account Number : XXXX  This is not mine. 

2. Identity Theft XXXX  Account Number  : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card

I signed up for the Chase Sapphire Reserve card which holds a fee of {$590.00} per year and {$75.00} for additional card holders. The card advertised a feature called Priority Pass. With this benefit I was promised {$28.00} discount for myself and up to two guests at many airport restaurants around the world. 
I received not only my Chase card, but the Priority Pass card in the Mail. When I went to use the Physical PP Card it was not activated. In fact after many phone calls etc it took around one month to get the service working. Many employees told me I would re reimbursed for my $ XXXX in personally paid expenses. Although Chase/PP was at fault I was denied any reimbursement.
Product: Checking or savings account

On XX/XX/, I opened a new Premium Checking account ending in XXXX using the link XXXX with your esteemed institution using a promotional code that promised a {$400.00} bonus if I maintain combined average monthly balance of at least XXXX in any new personal M & T deposit accounts. I am pleased to inform you that I have diligently met all the specified requirements within the stipulated timeframe. 

To provide you with the relevant details : Account Holder 's Name : XXXX XXXX Account Number : My Choice Premium Checking - XXXX Promo link used : XXXX Despite having fulfilled the conditions outlined in the promotion, I have not yet received the promised {$400.00} bonus. I understand that administrative oversights can occur, and I am confident that this matter can be resolved promptly. 

I kindly request your assistance in investigating the matter and rectifying the issue at your earliest convenience. It would be greatly appreciated if you could provide an update on the status of my bonus and, if necessary, any steps I need to take to ensure the timely resolution of this matter.
Product: Credit reporting or other personal consumer reports

My XXXX  ( in XXXX ) & XXXX ( in XXXX ) Credit cards were reported at over limit Both credit card companies corrected those errors on my online accounts and with the credit bureaus. 
( Thank you very much XXXX XXXX XXXX! ) The remaining issue I have is it appears, the negative overlimit mark hasnt been retracted on my credit reports. 

Thats all I need. 
Please retract the negative overlimit marks with the credit bureaus re my XXXX card ( XXXX ) XXXX ( XXXX ) Your speedy remedy would be greatly appreciated!! 

It came to my attention that those marks may still be reporting to the credit bureaus when I applied for a credit limit increase was turned down bc of the over limits re my XXXX and XXXX cards according to the letter I received. 

Thank you so much for your timely assistance with this matter!! 

Please all 3 Credit Bureaus so any Overlimit Remarks are retracted from my XXXX, XXXX, Experian reports Re XXXX  card ( XXXX ) XXXX  ( XXXX ) THANK YOU!!
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 right to privacy and confidentiality under 15 USC 1681. Account # XXXX  XXXX # XXXX {$490.00} Account # XXXX XXXX # XXXX XXXX Account # XXXX XXXX  # XXXX {$1500.00} Account # XXXX XXXX # XXXX {$0.00} Account # XXXX XXXXXXXX # XXXX has violated my rights. 
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 record of convictions of crimes which attedates the report by more than seven years. 15 U.S.C 1681s ( 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: Debt collection

I'm not liable for the debt with midland credit management. I do not have a contract with midland credit management. They did not provide me with a original contract concerning this debt. They also have not contacted me via phone call or mail.
Product: Mortgage

I am writing today in regards to my account with TD Bank NA  account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to XXXX. As soon as I was able to I reached out to TD Bank to let them know that I was unable to make that payment because I was sick with XXXX and I got the account caught up. Due to this being XXXX   related the rep notified me that they will look into having the late mark in XX/XX/2020 updated to paid as agreed or not reported and have not heard back from her. 

.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Pursuant to XXXX XXXX, the alleged account ( Torres Credit Services and XXXX XXXX XXXX, does not belong to me. I have continued to request for validation and verification but to no avail. This company is reporting an illegal debt on my files
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was repossessed it's showing on my credit report as a charge off but they keep stating that I am making late payments I do not have the vehicle it was repossessed again it is showing that it was a charge off if it's showing a charge off they have already performed a 1099 and it should be taken off of my credit report thank you
Product: Credit card

logged into account to make payment. site says that payment is due XX/XX/XXXX and is late. ( today is XX/XX/XXXX ) billing says {$1300.00} is owed but website demands twice that. website refuses to take any form of payment. synchrony has been reporting the account as delinquent when it is current. demanding late payments when account is current. refusing to resolve and close out account when I am offering to pay in full. I'm reluctant to send money that will not be credited to the resolution of the account. an assailant whith a persistently dishonest record should offer more affirmation that they will engage in some form of honest practices. apparently there is no law and no accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Auto accident and vehicle impounded XXXX - Impound lot notified Santander of an abandon vehicle XX/XX/XXXX - lien established and a savaged title was ordered by either the county or Santander. 
XX/XX/XXXX - Approximately XX/XX/XXXX vehicle was sold Santander failed to retrieve a {$22000.00} vehicle with a {$3000.00} damage from the impound lot while the price to pick up the vehicle was less than {$600.00}. 

XX/XX/XXXX - The auto insurance was notified and the insurance company decided to take responsibility, but wanted to inspect the vehicle whether they needed to cover collision or just repair. Upon inspecting the vehicle, {$3000.00} damage was uncovered, which they agreed to pay, but because the vehicle was no longer in my possession, the Insurance company wants to pay {$2000.00} less the deductible. All in all, they want me to be on the loosing end. 
Damages to me : approximately {$3000.00} which covered down payment and insurance coverage, {$21000.00} plus on my credit report while I'm left without transportation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Ive owned 2 cards with Capitalone since 2017. Since opening the card, I only received one credit limit increase on both cards. Ive successfully maintained the same payment history, and continued to substantially pay more than the minimum payment every month since opening both cards. Ive applied numerous times for credit limit increases and was constantly denied. The denial letter is very vague. When I called customer service, no one can provide me with an explanation nor do they understand why I am being denied. I am beginning to believe that I am being discriminated against. These practices are destructive, morally repugnant and against the law. These practices are prohibiting me from enjoying the benefits of access to credit. I was under the impression that Capitalone must ensure that their lending practices are consistent with the safe and sound operating policies.
Product: Student loan

XXXX is handling The public service loan program irresponsibly and sending misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$47.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX XXXX. ). Its been over 45 days and XXXX havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I prepared and mailed off letters to the XXXX major consumer reporting agencies XXXX, XXXX and Transunion below is a copy of the letter : I am writing to formally request the deletion of a bankruptcy entry from my consumer report. This request is made pursuant to the provisions of the United States Code ( USC ), specifically those relating to permissible purposes of consumer reports and the handling of information resulting from identity theft.

Details of the Request According to 15 USC 1681b ( 2 ), consumer reporting agencies are only allowed to furnish a consumer report under specific circumstances, including receiving written instructions from the consumer to whom the report relates. Additionally, 15 USC 1681q stipulates penalties for obtaining consumer information under false pretenses.

Legal References 15 USC 1681b ( 2 ) : This section outlines the permissible purposes for obtaining a consumer report, one of which includes obtaining written instructions from the consumer.

15 USC 1681q : This section details the penalties for obtaining consumer information under false pretenses, which can include fines and imprisonment.

18 USC 1028A : Defines aggravated identity theft, stating that using someone else 's identification without lawful authority is punishable by additional penalties.

15 USC 1681c-2 : Requires consumer reporting agencies to block information resulting from identity theft within four business days after receiving notification from the consumer. 

Request for Action Given the provisions outlined above, I request that the bankruptcy entry on my consumer report be deleted. The entry was not authorized by me, and therefore, the information was obtained and used without my lawful consent. 
Please confirm receipt of this request and provide a timeline for when the bankruptcy entry will be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against Equifax for their failure to properly investigate multiple credit disputes I have submitted. Despite providing substantial verification and supporting documentation to substantiate my claims, Equifax has not resolved the issues, and their inaction has caused significant financial hardships for me. 

Over the past several months, I have disputed several items on my credit report that do not belong to me. To support my disputes, I submitted proper verification, including documentation from creditors confirming that certain accounts were not opened by me. Unfortunately, Equifax has either ignored or dismissed this evidence, leaving the erroneous items on my report.

To make matters worse, Equifax unjustly labeled one of my disputes as " frivolous. '' This assertion has severely undermined their credibility, especially since one of the accounts they claimed was frivolous was later confirmed by the creditor to be fraudulent. The creditor even issued an apology and provided documentation to confirm that the account was not mine. I promptly forwarded this document to Equifax, yet they still failed to take appropriate action to rectify my report. 

This ongoing situation has had a devastating impact on my financial stability. The inaccurate information on my credit report has hindered my ability to secure loans, housing, and other essential financial services. As a result, I am experiencing undue stress and economic hardship due to Equifax 's negligence. 

I respectfully request that the CFPB intervene to ensure that Equifax fulfills their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, I am asking for the immediate deletion of all disputed items from my credit report. These errors have already caused enough damage to my financial well-being, and I am entitled to a resolution. 

I trust that the CFPB will take swift and decisive action to address this matter. Thank you for your time and attention to this serious issue. I look forward to your response.
Product: Credit card

I RECEIVED A PROMOTIONAL OFFER FROM CENTER STATE BANK, CARDMEMBERSERVICES, XXXX, XXXX ND STATING THAT IF I SPENT $ XXXXWITHIN XXXX MONTHS MY ACCOUNT WOULD BE CREDITED {$300.00} IHAVE MET THESEREQUIREMENTS BUT WHEN I WENT TO REDEEM MY MONEY I WAS TOLD I WOULDHAVE TO WAIT XXXX MONTHS BEFORE I WOULD RECEIVE MY. MONEY THE OFFERI RECEIVED MADE NO MENTION OF THIS. I BELIEVE THIS IS UNETHICAL MARKETINGAND I REQUEST I RECEIVE MY MONEY IMMEDIATELY.