23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Once again Bank of America has fraudulently opened an account in my name in less than 6 months after my last complaint. Please refer to CFPB complaint XXXX where I noted that Bank of America opened an account despite my putting a fraud alert and a security freeze with XXXX XXXX as well as all the credit bureaus ( XXXX, XXXX, XXXX ) XXXX Bank of America has a very lax fraud system and this is enabling fraudsters to open account at will. CFPB has done little to mitigate despite repeated complaints. Once again I had to call customer service at Bank of America to try and close this fraudulent account. What is Bank of America and CFPBs response to a second time opening of a fraudulent account in 6 months?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX {$7100.00} XXXX XXXXXXXX Balance {$10000.00}
Product: Student loan

I have two consolidated federal loans with Fedloan Servicing, one is a consolidation of direct subsidized loans and the other is a direct consolidation of unsubsidized loans ( both federal loans ). 
I am attending a XXXX  program full-time and while I am enrolled I do not pay interest on the unsubsidized consolidation loan. 
I have made two payments in the last few months, one on XX/XX/2018 for {$5600.00} and a second one on XX/XX/2018 for {$3100.00}. The payment on XX/XX/2018 was supposed to be allocated in full to the DIRECT UNSUBSIDIZED CONSOLIDATION LOAN, just like a payment for {$1000.00} on XX/XX/2018 was eventually allocated solely to the DIRECT UNSUBSIDIZED CONSOLIDATION LOAN. 
Two months have passed since I made that payment on XX/XX/2018. As I mentioned before I have recently made another payment on XX/XX/2018, which was also bizarrely distributed unequally between the SUBSIDIZED and the UNSUBSIDIZED loans. 
Fedloan Servicing is unwilling to help me. They just keep repeating that the payment will be eventually allocated as I expect, but nothing has been done yet.
Product: Debt collection

I have no idea what this loan is about. Please remove from my credit as I did not do a joint account with no one for XXXX. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account number : XXXX has violated my rights. 15 u.s.c. 1681 section 602 ( a ) states that I have the right to privacy. And 15 u.s.c 1681 section 604 ( a ) section 2 further states a consumer reporting agency can not furnish an account without my written instructions. this is a violation and improper use of my credit report ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
Product: Debt collection

Dear Creditor/Debt Collector, Please see the attached creditor letter from the FBI that XXXX received today of Friday, XX/XX/year>. I am forwarding it to you as additional information regarding my unfortunate situation that occurred last year for your understanding and consideration. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Dear American Credit Acceptance, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( American CrediXXXX Acceptance ) are " requiring '' a cash down payment. Is it true you are requiring a cash down payment? I am demanding that American Credit Acceptance provide verification of XXXX XXXX, XXXX, statements that American Credit Acceptance are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

Waiting on the removal of accounts that are not my accounts
Product: Money transfer, virtual currency, or money service

They did not exchangXXXX XXXX XXXX XXXX by the rate. The exchanged it XXXX pound and XXXX euro each for {$1.00} US.dollar. everyone knows XXXX XXXX XXXX are worth more than USD. When I was buying it, it cost me more. Please help. I've been robbed by Citi.Bank
Product: Student loan

XX/XX/XXXX, we submitted a complaint to the CFPB regarding our private loans from Navient ( # XXXX ). My husband is a former XXXX XXXX student and graduated XX/XX/XXXX. There is serious doubt as to whether he took these loans out. Shortly after the most recent complaint, we discovered our college advantage loans were at a XXXX balance. My husband called Navient to discover what was going on and was told they were on a forbearance, although they could not say why. On XX/XX/XXXX, we checked the balance of our private student loans to see where we stood in regards to balance. Again, that balance was XXXX. From XX/XX/XXXX-XX/XX/XXXX, we have received calls from Navient asking for payment on these loans. At this writing, Navient is being sued by your bureau for deception and fraudulent practices. Since XX/XX/XXXX, we have paid almost $ XXXX on these private loans. We still owe over {$39000.00} on them. My husband works XXXX jobs and I work alongside him to meet these obligations. We feel he has more than paid for his subpar degree and due to Navient 's deception, we are firm in not giving them anymore of our hard earned money.
Product: Debt collection

I recently called a credit professional and transunion and was told that there were 4 hard credit checks on my credit report I do not recall and also a medical debt for {$470.00} dollars that I never accepted or was aware of I have medical insurance and dont understand why Im being charged for something I never used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  Company Inquiries : US SM BUS ADMIN ODA 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: Checking or savings account

I signed up for a Basic Firearm class on XX/XX/XXXX at XXXX with XXXX XXXX however, I was not able to get off work on time and called them to reschedule the class. When I called their number, it went to voicemail and they said to text the number they provided. I went ahead and texted the number and told them that I was not able to make the class on time and that I was wanting to reschedule for another time. They texted back and said I needed to pay the remaining balance before I could reschedule. I went ahead and paid the remaining balance and asked them how could I reschedule. After I paid the remaining balance, they stopped communicating back to me even after three days. At that time I called Navy Federal Credit Union to dispute the amount since the merchant ( XXXX XXXX ) failed to render services, was not communicating back to me, or confirmed a new date. NFCU issued a temporary credit for the {$140.00} until they investigated the issue. I provided them text messages proving that I had done all I could to remain in contact with XXXX XXXX but they were simply not getting back to me once they received their money. After their investigation, NFCU sided with XXXX XXXX claiming that they were willing to render services. I requested a copy of the document that XXXX XXXX provided to NFCU and found that they said I failed to show up to the rescheduled class. They never confirmed a new class date, sent me a link, or communicated any of that to me so I had no knowledge that they rescheduled me. XXXX XXXX is about a 40 min drive from me and with Covid restrictions, I was not in any position to make the drive and risk being turned away. XXXX XXXX also stated in the document they provided to NFCU that they sent me a link to a video however, I did not receive any link and partial service was not rendered. They provided fraudulent paperwork to NFCU and even though I tried explaining this to NFCU they still removed the credit from my account claiming that XXXX XXXX was willing to render services. These were all lies and NFCU should have done a better job at investigating. Not only was this fraudulent but also unethical from NFCU. I request that they be investigated and that the evidence regarding my claim be re-evaluated by another party. 

Should you need additional information please feel free to contact me via email at XXXX or via phone at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to have NCB Management vaildate this debt they claim I owe. Each time, the NCB Management has failed to provide me with proper validation for the debt. They continue to send me a contract from the original creditor stating this is their proof that it is my debt that I owe. No supporting documents to prove this is my debt, such as documentation bearing my original signature, has ever been provided to me. A document without my original signature does not validate that this is my debt. According to the FCRA, NCB Management has violated my rights as a consumer and I'm requesting this account be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against XXXX, XXXX, AND EXPERIAN regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to my consumer Credit Report. This action by XXXX, XXXX, AND EXPERIAN is a clear violation of the Family Education Rights and Privacy Act ( FERPA ) of 1974. The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. As custodians of these records, XXXX, XXXX, AND EXPERIAN are bound by FERPA regulations. However, they have egregiously disregarded these regulations by Furnishing/reporting transaction histories to consumer reports without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA. Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information. XXXXDEPARTMENT OF EDUCATION 's disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress. Despite my attempts to rectify this matter directly with XXXX, XXXX, AND EXPERIAN, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking accountability for Their actions. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by Removing All of the Information pertaining to financial transactions that associate with my Education that they furnished upon my report. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.
Product: Consumer Loan

In 2009, I went to XXXX XXXX in XXXX, NY for XXXX XXXX XXXX. One of the XXXX XXXX employees offered me an option to apply for a Care Credit credit card, in which it would pay for my loan and the card was also interest free. I was never advised of any other terms of the card. I accepted it and went through with the procedure. I continued to pay on my Care Credit account, with no late payments, until it was approximately half-way paid off. I then noticed my pay off balance had substantially increased. I contacted Care Credit via phone and they advised me that, since I did not pay off the entire balance during the " promotional period '' that all of the interest was applied back to my account. I was not made aware of this by XXXX XXXX nor Care Credit and I was completely taken off guard by their response. If I would have known then I would have certainly paid off my balance in that time period.
Product: Vehicle loan or lease

In XX/XX/2022 while still in the middle of a pandemic I got 30 days behind on my XXXX and XXXX car payment. I was 6 months XXXX, homeless and recovering from job hour loss due to the pandemic. I also became sick with XXXX XXXX and tested positive XX/XX/XXXX, which left lasting physical affects. Also affecting my ability to work long hours. I was reinfected with the XXXX XXXX again XX/XX/2022 I reached out to the company to make arrangements to catch up and was set up on a XXXX week payment arrangement that would allow me to get caught back up. All of the payments of that arrangement where made according to the arrangement agreement. 

When I check my XXXX XXXX  it is showing the XXXX and XXXX dates as late however it's reporting different months with other credit agencies. I reached out to XXXX XXXXXXXX by calling and emailing the XXXX XXXX XXXX explaining the situation and asking for grace. 

Someone from XXXX XXXX did call back and submitted that request. I recently learned the request was denied. 

I am filing this complaint because I believe I qualify to have these negative remarks. I also believe I am entitled to some relief and all late payments be removed under the CARES ACT. XXXX XXXX has refused to acknowledge that these incidents are pandemic related and will not make adjustments to my XXXX credit bureaus. We are still feeling the affects of the pandemic with rising cost. These remarks make it even harder for me just to get housing.
Product: Credit card

I am writing to complain about the practices of Comenity Bank, owned by Bread Financial, which issues consumer credit cards for XXXX, Talbots, and other retailers. 

1 ) I opened a Talbots store credit card sometime in XXXX per Comenity 's records, when I was residing at Address # XXXX. Despite multiple requests in writing and via telephone, I never received the card. I have spoken to numerous customer service representatives over the years who apologize and commit to sending me a card, but I have still never received a card. 
2 ) In XX/XX/XXXX, I moved to Address # XXXX. 
3 ) At some point in the last few months, someone apparently made a purchase at a Talbots either using the card I have never received, or by claiming they were me. Talbots apparently allows people to make credit purchases without presenting the card, which is an incredibly poor security practice. I suspect they do this because Comenity regularly doesn't mail cards to people. 
4 ) Comenity has been harassing me for months over this purchase, despite never sending me a Talbots credit card after approval and claiming it has been sent.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX  XXXX XXXX Also known as XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$2200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX XXXX XXXX XXXX  doesn't exist anymore I have tried many time to dispute this with no help with the investigation. 

Consumer Financial Protection Bureau Experian Information Solutions , Inc . 
XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute Regarding CFPB Complaint XXXX  XXXX XXXX, # XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute the allegations made against Experian Information Solutions , Inc. in the complaint filed by the Consumer Financial Protection Bureau ( CFPB ) regarding the handling of consumer disputes related to the accuracy of credit reports. 

As a consumer, I value the integrity and accuracy of my credit report and have always made it a priority to ensure that my credit information is correct. I understand that the CFPB has raised concerns about Experian 's compliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of 2010 ( CFPA ). However, I believe that these allegations do not accurately reflect the practices and procedures that Experian has in place for handling consumer disputes. 

To address this matter, I would like to request the following : 1. **Clarification of the Allegations** : Please provide detailed information regarding the specific instances or practices that led to the CFPB 's complaint against Experian. Understanding the context will help me better assess the situation.

2. **Documentation of Dispute Handling Procedures** : I would appreciate it if you could share the procedures and protocols that Experian follows when handling consumer disputes. This information will help clarify how Experian ensures compliance with the FCRA and CFPA.

3. **My Personal Dispute History** : If applicable, please provide information regarding any disputes I have filed with Experian, including the outcomes and how they were resolved. This will help me understand how my disputes have been handled in the past. 

I believe that open communication is essential in resolving this matter. I am committed to working collaboratively with Experian to ensure that consumer rights are upheld and that any inaccuracies in credit reporting are addressed promptly. 

Please respond to this letter within 30 days of receipt, as I would like to resolve this matter as quickly as possible. You may reach me at the contact information provided above. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX ---
Product: Mortgage

My Mortgage company, Selene Finance LP, says they issued an Escrow Refund in the amount of ~ {$10000.00} in XX/XX/2022. However, I only received {$5800.00}. 

Additionally, they are withholding {$2800.00}, as of XX/XX/2022. I am owed almost {$7000.00}. 

The agent on the phone told me it would be another two weeks for this to be resolved and that I should make the full payment this month and then ask for another refund next month when the correct payment amount is reflected on my next statement, due XX/XX/2022. This is ridiculous, asking for money upfront that they will then turn around and refund me. This is very suspicious activity, fraudulent maybe? Such Deceptive tactics by this company to transfer you to multiple departments with no resolution and charging you extra knowing your payment should be lower and holding customers money to make interest off of customers ' earned money. 

XXXX XXXX
Product: Student loan

For months now, Navient has continued to improperly bill me for Private Student Loans that have been paid off. Following some refunding they did re : an earlier issue in XXXX of this year, in XXXX, they missed billed me for {$600.00}. After a couple of calls to them, a refund of that amount was set up, and the XXXX Navient Rep. I called in this regard guaranteed the he made the needed changes to their automatic billing system so that the incorrect billing would not reoccur. But, on XXXX XXXX, it happened again for that same amount. After several phone calls, I was told that, supposedly, the refund for XXXX had been approved and is was awaiting for their Monetary Department to make it happen. Today is XXXX XXXX, and the refund still has not arrived. I am having a hard time deciding if it is their plan to stall and hold onto such moneys for their financial gain, or if it is simply ineptitude. Either way, shame on Navient!
Product: Checking or savings account

In  XXXX    XXXX  , we obtained a mortgage loan through t he Citibank Mortg age. The mortgage account has a promotional offer attached. We expected that a cash bonus equivalent to the first mortgage payment, up to {$2500.00} would be deposited to my linke d Citibank checking  account within 90 days of the end of the statement period advertised as lo ng as the requirements are met. We carefully followed the instructions from the advertisement and has met all the requirements by 1 ) obtaining a new home purchase mortgage loan from Citibank, 2 ) opening a personal regular checking account in the Citigold Account Package, and 3 ) signing up monthly debit of the ortgagement but nothing happened. No fund was ever deposited to my account. We contacted the company for the next few years, but every time they said they put it on note and would investigate but we never received any response. Here is the case number   XXXX   and one of customer service representative IDs :  XXXX