23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a private loan by navient in the amount of {$27000.00} that i should not be paying. I attended XXXX in which the school had closed in XXXX do to defrauding students. I didn't even know i had a private loan out in my name from XXXX until 9 months ago. In XXXX of XXXX department of education took action and preventing new students enrolling into the school. On XX/XX/XXXX the school was officially closed down. XXXX XXXX XXXX charged among the highest tuition fees in the industry. It also had the industry 's highest rate of loans that went into default within two years of attendance. Starting in about XXXX, XXXX XXXX came under fire for questionable practices. The allegations included high-pressure recruiting tactics, falsified paperwork, high default rates on XXXX XXXX student loans, and inadequate educational standards. XXXX XXXX and the department education know XXXX defrauded students that they are giving them debt relief on federal loans when filing a XXXX. It should also go for private loans as well. why should I be responsible for a loan when XXXX closed down for defrauding students.
Product: Credit card or prepaid card

The Navy Federal Credit Union issued a VISA credit card to someone using my name and SSN and living at XXXX XXXX XXXX, XXXX XXXX, XXXX, SC, XXXX on XX/XX/2022 even though I had placed a fraud alert with all credit bureaus. 

I submitted a Declaration of Forgery/Fraud on XX/XX/2022, and the Navy Federal Credit Union has yet to complete their investigation of this identity theft and are continuing to attempt to collect on the debt for this account, which now amounts to {$4600.00}. They have accepted my documentation, and have stopped the card from being able to be used, but they have not completed their investigation in a timely manner and have been reporting false information to the credit bureaus.

The Navy Federal Credit Union never acknowledged receipt of the Declaration document, so I had to resubmit the declaration on XX/XX/2022. 

I have called the Navy Federal Credit Union multiple times and have spoken with many people in their security area as well as in their account services area, but this issue has not yet been resolved and it is now close to 90 days later. 

I have filed a report of identity theft with the XXXX Police Department in XXXX, MN. 
The report number is XXXX.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX XXXX Subject : Fair Credit Reporting Act, Section 611 I am writing this letter regarding payments that were marked late by XXXX XXXX for the following accounts on the following date ( XXXX ) : XXXX XXXX Acct : XXXX Amount : {$960.00} This is inaccurate since this account is at a XXXX balance. Therefore, I am requesting this inaccurate report be removed from my credit profile immediately. It is my understanding per 15 USC 1681 ( a ) ( 2 ) ( A ) i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the company ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me only. Furthermore, I am requesting that you provide me in writing the reasonable procedures according to 15 USC 1666 ( b ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include all the information required by Section 1637 ( b ) of Title 15.

If you dont provide this information in the allotted time given, then I am requesting you remove the late payments from my consumer report with the following consumer reporting agencies XXXX XXXX Experian XXXX XXXX XXXX
Product: Credit reporting

Equifax is not responding to any of my numerous requests to investigate and remove accounts from my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agency ( Experian ) continues to report XXXX XXXX on my consumer report that I have identified as identity theft even after I have supplied requested FTC report. Pursuant to 15 USC 1681c-2, this information was to be blocked and removed no later than 4 days. This is not information relating to any transaction by me the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has no written or verbal consent or permission to report any information or non-public information to my consumer report. These are violations of my consumer privacy rights. No disclosures was provided to me. Continued reporting of these accounts deems improper utilization in which Experian can be held civilly liable for damages caused to me ( see attachments ) Experian also is blocking my ability to utilize their website to upload my documents. ( see attached screenshot proof ) I tried for 2 days to upload information
Product: Credit card or prepaid card

They closed my account after I made XXXX payments from my own bank account. unfortunately, I have XXXX XXXX XXXX XXXX XXXX, and I typed XXXX number wrong in my account number, I immediately updated my payment information and made the payment, then as soon as the payment cleared they closed my account.
Product: Credit card

Subject : Formal Dispute of {$250.00} in Fees Dear Sir/Madam, I am writing to formally dispute charges totaling {$250.00} on my Citibank account . Below, I outline the circumstances that led to these fees and explain why I believe they should be removed.

On XX/XX/XXXX, I attempted to make a purchase with my Citibank card, but the transaction was declined. Assuming this was due to holiday travel, I checked the Citibank app and discovered my account had been closed without any notifications. I immediately contacted customer support, where I was informed that a letter had been sent explaining the account closure. However, the representative stated they could not provide further details until I received the letter, which they estimated would take two weeks. There was no mention of fees made during this call.

At the time, I was unaware that a new bank debit card had unlinked my Citibank payment method. Determined to pay off my balance, I made several payment attempts. Initially, these payments appeared to process successfully, but I later received emails stating, A payment was returned unpaid. Each time this happened, I reattempted payment, but I was unknowingly charged {$30.00} in fees for each returned payment. At no point did the emails indicate that fees were being applied.

Over the following two weeks, I called Citibank multiple times to inquire about my account closure and payment discrepancies. While representatives were polite, they did not disclose that fees were accruing or investigate the underlying issue. Eventually, I realized my payment account had defaulted to an inactive bank account, causing the returned payments and resulting fees. 
Additionally, I had accrued {$150.00} in rewards on my Citibank account. Once the account was closed, these rewards were forfeited without notice or explanation. This loss adds to the financial and emotional strain caused by this situation, as I was relying on those rewards to offset my expenses.

I believe the fees and loss of rewards are unwarranted for the following reasons : 1. The Citibank app did not notify me of the accruing fees during payment attempts.

2. Representatives failed to inform me of these fees despite my numerous calls.

3. There was no clear explanation of the issue until I investigated it myself.

4. The forfeiture of rewards was not communicated or justified. 
Given these circumstances, I respectfully request that the {$250.00} in fees be removed from my account and that my lost rewards of {$150.00} be reinstated as well as my account be reinstated. My account is currently up to date with payments except for the fees, and I hope this matter can be resolved promptly. 

Thank you for your attention to this issue. Sincerely, XXXX
Product: Checking or savings account

XX/XX/XXXX we deposited the amount of {$9000.00}. XX/XX/XXXX I scheduled a CC payment to be made on XX/XX/XXXX. XX/XX/XXXX the CC payment went into Processing along with the hold that was then made on our account for the amount of {$8900.00} for 10 days. We have several automatic payments that go out each month and this notice was not enough time to stop any payments. Over the next few days, our account began to fall into a negative balance, and over 8 fees from XX/XX/XXXX to XX/XX/XXXX incurred {$250.00} in overdraft fees and one returned item fee from the CC payment for {$36.00} totaling {$280.00} in fees to our account. 

After being stonewalled by staff at our local branch they told me the fees could be returned. Unfortunately, that was a lie. I have spent hours on the phone talking to people who can not actually help and this bank uses their own proprietary system for deciding who gets their fees back and who does not. This whole system they have seems like their own made-up system for stonewalling clients and holding onto fees. This banks protocols are designed to keep their clients at bay, waste client time, and keep large amounts of fees. 

This entire debacle could have been solved with 2 phone calls. One phone call to me to ask " if this deposit was legitimate '' and that they were going to check with the other bank and then one phone call to our customer bank to make sure the check was legitimate. 


Our account does not have a regular history of being overdrafted. yet this bank treats me like I'm a horrible client they don't want. this year they have drafted {$610.00} in over-draft fees for petty negative balances of just a few dollars that were never extended negative balances. But I'm not even asking for all of it back. I was only asking for the {$280.00} fees that were incurred during the long period of hold on our funds. 

I've been more than reasonable and they refuse to give me back my money! I have a written message from this bank stating they WILL return any fees incurred due to the hold but they haven't.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Product: Vehicle loan or lease

At the time of purchase my credit score was XXXX and the dealership still managed to charge me 21 % interest rate? 

Im not sure why at XXXX how that is even possible!
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 XXXX XXXX XXXX. 

Accounts name XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX # XXXX, account name XXXX XXXX XXXX XXXX XXXX XXXX, account name XXXX XXXX XXXX XXXX # XXXX, account name XXXX XXXX XXXX # XXXX account name XXXX XXXX XXXX # XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX, account name XXXX XXXX XXXX XXXX XXXX, account name XXXX XXXX XXXX, L # XXXX, account name XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX 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 : states 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 report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX XXXX XXXX card off a month ago. They show and say my balance is XXXX, however XXXX has reported a {$3600.00} balance to all 3 credit bureaus and they are blaming it on the bureaus. They have made my score drop over 100 points with this inaccurate information. I believe that this was done out of malice due to a disagreement with them. They admit my balance is XXXX, but are still reporting inaccurate information about the balance.
Product: Mortgage

The Servicing Company to my mortgage - Wells Fargo Mortgage is attempting to illegally foreclosing on my personal home by selling it at auction on XXXX XXXX, XXXX in direct violation of HBOR law. Wells Fargo Mortgage approved our file for a HAMP modification and has failed to process our final documents and monthly Trial payments which are unaffordable. They continue to threaten with foreclosure to kick us out into the street with eviction if we did n't accept the offer knowing very well that we can not afford the payment. They have mishandled my documents and file several times and failed to properly communicate with me throughout the process. They simply violated HBOR specifically under the " dual tracking '' clause. Wells Fargo Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclose on my property.
Product: Debt collection

Today on XXXX XXXX, 2024 I received a XXXX paper from Midland Credit Management stating that I now owed them my debt that I previously had with XXXX XXXX. In the paper which I attached below it states I can make {$25.00} payments bi-weekly so I called and settled on being able to pay {$40.00} weekly. They completely denied my offer. I asked to be connected to a manager as I was tired of going back and forth like you would at a car dealership. When I was connected to a supposed manager, she was extremely rude and had an attitude off of the bat. She told me she couldnt believe the previous lady helping me would offer to lower my total balance and that she wouldnt have done that. She went on to continuously insinuate that my XXXX house with my name on it would be put at risk and would be any second because it was out of her control. When I told her politely that I would have to call back later because I needed time to think about what to do she and I quote stated very rudely Well what do you need time to think about and told me that I had a year to think about it already and that no other debt relief company could help me and that this was my only option and the second I hung up could be the second my loan goes into legal action. The entire time I talked to her she talked down to me, denied any payment that I was willing to make despite the physical letter I got stating I only had to make {$25.00} payments bi-weekly, and threatened me over and over again. I was on the phone for almost an hour trying to resolve the debt and instead was harassed, treated like an XXXX, and lied to.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of Credit Report Inaccuracies Under the FCRA To Whom It May Concern, I am writing to formally request an investigation into inaccurate and misleading information reported on my credit reports by TransUnion, XXXX, and XXXX. The inaccuracies pertain to the following account : Account Name : XXXX Account Number : XXXX Below, I have outlined the specific inaccuracies and the violations of the Fair Credit Reporting Act ( FCRA ) : 1. Inconsistent Reporting Across Bureaus The Date of Last Activity is reported inconsistently : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This discrepancy violates FCRA Section 1681e ( b ), which requires credit bureaus to maintain accurate and consistent information across their records. Such inconsistencies harm my creditworthiness and mislead potential lenders. 

2. Incorrect Late Payment Reporting All three credit bureaus report a 90-day late payment on the account, even though the balance is {$0.00} and the account is marked as either " Paid '' or " Closed '' : TransUnion : " Closed '' with a {$0.00} balance. 

XXXX : " Paid '' with a {$0.00} balance. 

XXXX : " Closed or Paid '' with a {$0.00} balance. 

Reporting late payments on a paid or closed account is factually inaccurate and violates FCRA Section 1681s-2 ( a ), which prohibits furnishing false or misleading information. 

3. Unverifiable Information The Creditor Remarks and Original Creditor fields are incomplete : TransUnion : " -- '' ( not provided ). 

XXXX : " -- '' ( not provided ). 

XXXX : " -- '' ( not provided ). 

Under FCRA Section 1681i ( a ), all information reported must be verifiable. The failure to provide the creditor 's name and remarks renders the data unverifiable, and it must therefore be removed. 

4. Late Payment Reporting After Account Closure The account is marked as " Closed '' or " Paid '' as of XX/XX/XXXX ( per TransUnion ), yet late payments are reported after this date. This contradicts the account 's status and violates FCRA Section 1681e ( b ), which prohibits inaccurate reporting. 

5. Denial of Dispute Rights The reports state " Account not disputed, '' yet there are clear inaccuracies. This misrepresentation denies my right to dispute under FCRA Section 1681i ( a ) ( 1 ), which requires that credit bureaus reinvestigate disputed items to ensure accuracy.
Product: Debt collection

I WANT TO FILLED CONPLAINT ON EXPERIAN IN XXXX XXXX BACK IN 2021 I LOST MY ID IN SOCIAL SECURITY SOMEONE FOUND IT OPEN 2 ACCOUNT ON MY NAMES IDISPUTE THE ACCOUNT EXPERIAN IN XXXX XXXX NOT DOING A PROPER INVESTIGATION I WOULD LIKEFOR THE CFPB HELP ME OUT AGINTS EXPERIAN IN XXXX XXXX THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

In my complaint CFPB Case : XXXX I stated I did not authorize anyone to add me to their Capital One card as an authorized user, I never was in possession of that card yet it is being reported on my credit report, I want that account removed from my credit report.
Product: Credit card or prepaid card

In checking my credit report recently, I noticed a charge on my Synchrony Bank account. A {$1200.00} interest charge was applied to my account XX/XX/21. I have not used the account since purchasing furniture two years ago ( Ashley Furniture ). I have never missed a payment. If Ive connected the dots correctly, there must have been a clause in the contract I signed stating there was a promotional expiration date. Apparently the promotional period expired and accrued interest was charge. I have two issues with this and maybe Im just out of luck ; please help if youre able to. 
First, the contract I signed was very long and contained mostly legal jargon I did not understand. Like most people, I did not read in its entirety. Im a college graduate with a credit score hovering just above XXXX for most of my adult life. Im very responsible with money and have never been in this situation before. I just dont think it should be necessary to bring a lawyer, who specialized in contracts, when buying furniture. Obviously, I would have paid cash for the furniture if I knew this would happen ; the 0 % finance was just attractive. Im guessing many people find themselves in my situation, which in my opinion is a result of deceptive practices. The salesperson told me as long as I made every payment on time, I would never be charged interest. Im embarrassed to say I never read any of the statements, which clearly show the promotional period end date, until today ( XX/XX/21 ). Regardless of the current situation, I think a case could be made Ashley Furniture and Synchrony Bank are engaging in deceptive credit card practices. Especially if others experience the same misleading tactics. 
My second problem with this situation is the lack of communication. I tried all day yesterday ( XX/XX/21 ) to contact Synchrony. I tried by phone ( 4 separate numbers ), via chat ( only a virtual assistant is available ), and by social media ( XXXX and XXXX XXXXXXXX ). Out of 11 calls, I managed to get a human on the phone one time. As soon as I told her I wanted to know about a charge on my account, she disconnected the call. I did not know at the time what the charge was for. In summary, Im trying to communicate with the company, but they are totally and completely unavailable. In fact, one of the phone numbers provided to me was ONLY advertisements for other unrelated credit products ; getting a person on the phone was in no way an option. 
I called XXXX, XXXX, XXXX, and XXXX ( from XXXX credit report ). 
Thank you for any assistance you can provide. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX {$500.00} XXXX  XXXX {$500.00} XXXX   XXXX XXXX XXXX {$870.00} COLLECTIONS XXXX {$350.00} XXXX XXXX {$560.00}
Product: Debt collection

American Express has my cellular phone number entered into their robocall system. They call multiple times a day 7 days a week, all from random phone number. This is annoying and I consider it harassment. They need to stop. I have no desire to speak with them and I 'm filing bankruptcy soon. 

They 've called from the following XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the weekend of XX/XX/XXXX I went about unlocking my credit freeze so I could refinance our home. I had the PIN for credit, but the agencies didn't want it and I successfully lifted 2 freezes, but with Equifax apparently I answered a question incorrectly. Their computer phone system seemed glitchy and kept interrupting itself. I called them and go no where, except being told to mail or fax my ID etc and it would take 5-7 business days to process that, which I said was too slow, but they didn't change their position. I finally faxed the info to them XX/XX/XXXX, and have not gotten any confirmation that they received it ( other than my fax machine said they did ). I've called today and they said if they did receive it it's not processed. I thought they had to lift my freeze within 1 hour of my request. This 5-7 business day delay is jeapordizing my refinance and stressing me and my patience. Yet the mortgage lenders say they need all 3 credit reports before they can even determine the details of my refinance.
Product: Credit reporting or other personal consumer reports

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