23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This the ground for removal they also violated my rights under 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 agency can not furnish a account without my written instructions XXXX. XXXX  XXXX XXXX XXXX # XXXX XXXX. TN CHILD SUP # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) # XXXX XXXX XXXX XXXX  XXXX # Duplicate Account Overall, according to the 15 U.S.C. 1681 n ( a ) ( 1 ) any actual damages by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

I want XXXX XXXX per violation or to remove the accounts. 

Please adhere to this : Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different.
Product: Credit reporting or other personal consumer reports

Disputed XXXX XXXX XXXX on XXXX, disputed XXXX accounts. Asked for specific details to verify alleged debt. XXXX verified both accounts without providing the proper information requested by me. Account XXXX is inaccurate with original balance, past due balance and balance being inaccurate, therefore must be removed pursuant furnishing inaccurate, harmful data. Account XXXX has a past due balance, which is inaccurate reporting since it cant be past due on a collection account therefore I demand immidiate removal.
Product: Checking or savings account

I have not received my direct deposit from my pay checkI usually receive my direct deposit on Thursdays which would have been XX/XX/year> here it is XX/XX/year> no direct deposit. I have bills due. I need money to get ready for this freeze that is coming XXXX I called and its just the same robotic message.
Product: Credit card or prepaid card

There are multiple fraud transactions on my Bank of America credit card between XX/XX/XXXX and XX/XX/XXXX. I found out these fraud transaction on XX/XX/XXXX because my Bank of America credit card went above the limit. I called Bank of America and multiple merchants including XXXX, XXXX XXXXXXXX XXXX XXXX, and XXXX immediately on XX/XX/XXXX. Bank of America issued a temporary credits to my credit cards. However, on XX/XX/XXXX, I received a letter from Bank of America and they said they're unable to refund 7 of my credits ( amount : {$170.00}, {$59.00}, {$230.00}, {$260.00}, {$120.00}, {$54.00}, and {$25.00} ) that were made by XXXX because they are unable to find the evidence and closed my case of fraud claim without even calling me to ask for evidence. I called Bank of America on XX/XX/XXXX and XX/XX/XXXX to reopen the case and so far I have receive no news from Bank of America. I also contacted XXXX customer service and they confirmed those charges are not made by my XXXX account. I faxed the letter from XXXX to Bank of America fraud department multiple times and still not resolve my case.
Product: Credit card

XX/XX/XXXX I placed an application for Citibank aadvantage card they told me to wait for some letter to come with a reference number so I did it took weeks to come on XX/XX/XXXX I was approved for the Citibank aadvantage card for {$5800.00} I received the card and the reference number on the XXXX of XXXX all this headache looking everyday for this reference number and card just to finally activate everything just to say its closed then I call in the rep says it was closed due to citibanks discretion. Ive heard nothing but good things about Citibank wanted to be apart of that but this seems very discriminatory the irony is the quote that I received on the last page about not discriminating I had the score everything was right its no reason for denial at all. Its no reason to backtrack at all Ive followed all of the steps and providing evidence to support my claim wow this is unfair this isnt right and I hope this can be addressed if anyone cares at all. Citibanks rep a few days ago said if this was him going through this hed be talking to a supervisor because it doesnt make sense at all. I applied for custom cash card 8 days after and got denied because of this account restriction makes no sense to do me like this. 

NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, DC XXXX. 
The creditor is Citibank, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX. 
Please direct any questions to the return address on this letter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX was never late XXXX I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in o be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Today, on XX/XX/XXXX, I had the unfortunate experience of encountering an American Express credit application processing agent named XXXX, whose behavior was not only judgmental, rude, and discriminatory but also caused an extremely unpleasant and infuriating interaction. 

As I embarked on the credit card application process, I expected a respectful and professional experience. However, XXXX shattered those expectations with his dismissive attitude and offensive remarks. He not only questioned my income in an intrusive and inappropriate manner but also exhibited a complete lack of empathy and understanding. XXXX XXXX condescending tone, skepticism, and unwarranted pushback regarding my income left me profoundly dissatisfied and infuriated with the entire interaction. 

It is utterly unacceptable for a representative of a reputable institution like American Express to treat customers in such a disdainful and discriminatory manner. Financial institutions have a responsibility to ensure that their employees are well-trained and equipped to provide exceptional customer service, maintaining an inclusive and respectful environment for all. 

This distressing experience with XXXX had a profound impact on my emotional well-being and overall outlook. The judgmental and dismissive attitude he displayed, particularly when questioning my income, left me feeling belittled, frustrated, and deeply hurt. The encounter not only eroded my trust in American Express as a reputable institution but also left me questioning my own worth and validity as a customer. The blatant discrimination I encountered during what should have been a straightforward credit card application process shook my confidence and left me with a lingering sense of injustice. This encounter serves as a stark reminder of the need for empathy, understanding, and respect in every customer interaction, and the negative effects of such mistreatment should never be underestimated. This experience has left me profoundly disappointed and frustrated with American Express. I implore the company to reflect on its values, reevaluate its employee training programs, and rebuild trust with its customers.
Product: Mortgage

Much like all Americans I fell into hardship during the pandemic. I lost my husband during this time and there was much emotional damage and financial hardship. I fell behind and ended up in foreclosure. I then hired an attorney to help me try to save my home. My attorney 's office called my lender on XX/XX/XXXX. The lender advised that my loan was modified in XXXX and no COVID forbearance. My attorney 's office asked if my lender had made me aware of my options regarding COVID assistance for my FHA loan. My lender said they don't know if any correspondence was sent out. I am very upset that I may have ended up in foreclosure after losing my husband due only to my lender 's decision not to tell me of programs that would have helped. My attorney 's office also told me that FHA has post COVID assistance that I could have qualified for. I would like to know why my lender withheld information that could have helped me. Thank you.
Product: Money transfer, virtual currency, or money service

I would like to file a formal complaint with Chase Bank ( business ) and they transaction company WePay they are holding funds from a transaction made at my business. I have a small self employed business and I had a customer pay with credit card on XX/XX/2024 Because this was a larger job with an amount of XXXX WePay is holding the funds. After contacting chase they told me to resolve it with Jp Morgan WePay I have contacted them through email because they are an email only company and there is no one to call. they asked for specific information like details about the transaction, receipts and customer information and I gave them everything I had. They then asked for the payers phone and address I gave them the customers phone number but could not provide them with an address because that is not a requirement that I ask my customers when completing a transaction I believe that is personal and private information and some customers would not feel comfortable, sharing that with a business. After stating that, I only could provide them with the customers, phone number and name which I did. They insisted on holding my funds and went as far as to cancel my business account which I have had to almost two years and they said they are keeping my money for 120 days. After doing some research after my frustration, I realized there were hundreds of other customers who were having the same issues with the same company and have the same complaints. I would greatly appreciate if you could help with this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> ) It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions Unauthorized Credit inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Customer 's financed XXXX XXXX ( Manufacturer & Lienholder ) vehicle was rendered INOPERABLE from XX/XX/XXXX to XX/XX/XXXX due to Manufacturer/Lienholder 's INABILITY TO PRODUCE a critical part necessary for driving.

Part was INDEFINTELY backordered, rendering the vehicle unusable for a sum of five months. Despite Customer inquiring via phone/email ~50+ times for various remedies, deferred payments were presented as the ONLY solution, effectively shifting the financial burden to the Customer for a situation entirely caused by Mercedes-Benz 's. Customer continued to escalate support cases relative to reimbursement of interest accrued on the loan and monthly payments for the period when the vehicle was unusable, due to no fault other than the Manufacturer/Leinholder . 

Subsequent to suffering a total loss in XX/XX/XXXX, Manufacturer/Lienholder ( Mercedes-Benz ) is demanding repayment of these deferred payments, threatening to transfer my loan to an external collection agency unless a payment plan is setup in the amount of {$12000.00}. This demand is unreasonable and unjust, as it disregards the basic expectation of vehicle usability under the financing agreement and warranty. These actions not only harm the Customer financially but also damage their credit standing, compounding the harm caused by Mercedes-Benz 's failure to resolve the situation ethically and promptly Customer escalated a final 'loss of use ' compensation case with the 'Executive Referral Manager ' Team at Mercedes-Benz, to no avail . Manufacturer/Lienholder denied any responsibility and compensation, explaining " Subsequent to suffering a total loss, Customer is no longer owner of vehicle '', in addition to " Customer should've asked for compensation sooner '' -- both reasons being grossly unethical and untrue, supported by my documentation.

Note : A myriad of Mercedes-Benz Customer Service Representatives are on record admitting that the Customer should not suffer a financial consequence due to the Manufacturer 's inability to produce a part necessary for driving.

Note : Customer was not supplied a loaner during this five month period and auto insurance rental coverage expired after 30 days, forcing Customer to find transportation out-of-pocket XXXX days.
Product: Student loan

My complaint is about Navient. 

I am a resident physician who took out money for medical school. I am now a second-year resident so this is my second year paying on the loan. I have to be on an income-based repayment plan because my income ( ~ $ XXXX ) can not possibly make the payment on my > {$200000.00} student loan. As a result of being on the income-based repayment plan, Navient forces me to re-demonstrate my income every year to re-qualify. In order to accomplish this re-demonstration ( which is a useless exercise anyway because my income barely increases annually and that number is set years ahead of time for all residency programs and it is published online ), they sent a single non-descript email on XX/XX/2018. The email does not include any indication that it might contain such a re-authorization requirement. I have attached the email with my information redacted. In order to receive the contents of the email we are required to follow the link, login, and click on a pdf link that may or may not be the most recent message ; that is easy to overlook when you get 50 emails, this one contains nothing but a link, and there is no way to tell which message on the Navient website this email is connected to. BTW, I have four post-graduate college degrees and this is not straightforward. 

Of note, Navient does not include additional reminders. They do not include an email saying anything relevant at all. In fact, all Navient emails are essentially hidden until you conduct the separate login. Then, after that single email, they emailed me in XX/XX/XXXX to say that my payment would be increasing to {$2600.00} a month. Obviously, I can not afford that while I make {$50000.00} a year. They do give me the chance to fix the problem by going back on the income-based plan. I submitted all of the information to get back to the same income-based repayment program I was previously that is currently pending. 

However, despite staying on the same payment plan and having no lapses in my payments, Navient capitalized my interest. Apparently, that is their policy. If people do not re-authorize their loan in a pre-specified window of time, Navient capitalizes their interest. In my case, that capitalization was approximately {$6000.00}. So now I am getting compounded interest around 6 % on another {$6000.00}. In other words, I get to pay an extra {$30.00} a month for the duration of my loan. All because I missed a single non-descript email. 

I am wondering what the value of such a policy for the government that I borrowed money from? That is, why would Navient be allowed to steal a huge amount of money due to missing an arbitrary re-authorization date despite staying on the exact same repayment plan. It seems like a scam. We are basically borrowing money from our own government and Navient is being allowed to skim money off the top.
Product: Debt collection

I am receiving harassing and threatening telephone calls and death threats from representatives from American Accounts Advisors , Inc., in regards to the XXXX accounts that do n't belong to me and is the result of identity theft. The dates the accounts was opened is XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified XXXX XXXX format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT IN XX/XX/2020. I DISCOVERED INACCURACIES ON MY CREDIT REPORT I FILLED OUT AN IDENTITY THEFT AFFIDAVIT AND REPORTED THE INCORRECT INFORMATION TO ALL THREE BUREAUS AND CREDIT AGENCIES. THERE HAS BEEN NO RESOLVE TO MY COMPLAINTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX/DEPT OF ED 2. XXXXDEPT OF ED 3. XXXXDEPT OF ED 4. XXXXDEPT OF ED 5. XXXXDEPT OF ED 28 USC 1746 Unsworn declarationsunder penalty of perjury