23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In the last XXXX months I have made XXXX seperate requests via email, phone call, text message, and chat to stop the " Pay XXXX '' feature on my account. 

This " feature '' takes overpayment ( payments larger than the minimum payment ) and applies them to future minimum payments. Creating a situation where interest continues to accumulate on larger and larger principle balances. 

The company has repeatedly informed me that the feature is cancelled, that the payments will be applied directly, and that I have nothing to be concerned about. Each time I submit a payment it just pays ahead. 

I am tired and frustrated, especially since I wasn't aware of how this worked. I feel deceived by the company.
Product: Credit card or prepaid card

I applied online for a specific Wells Fargo credit card -- the " Active Cash '' VISA card. 

At the end of the application process, I was issued a different credit card -- the " Reflect '' VISA card. 

I immediately called Wells Fargo about the error, and was shuffled through several departments. In the end, they told me that the case was referred to the " executive office '', who would call me back.

The " executive office '' closed the case without calling me back, which I only found out by calling them back. The case closure notes say that I must hold the " Reflect '' card ( which I did not apply for ) for at least 6 months before a change can be made. 

I now hold a financial product that I did ask for. I am reporting this because Wells Fargo has a reputation for " selling '' unsolicited services, and this is another example.
Product: Payday loan

Recived email stating I will have to go to disrtict court and must pay now or recive a {$5000.00} law suit.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. where XXXX has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations : XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Student loan

I called Navient on XX/XX/2022 XXXX XXXX asking about the public service loan forgiveness. I was told I do not have the correct type of loan and it could not be changed. I then proceeded to ask about the Biden forgiveness and was told to wait and not consolidate because my payment and interest could go higher ( currently at 6.5 % ). Again incorrect information. My husband has the same loans and we chose to wait. I confirmed I should follow up in a month. I called today and was told the deadline had passed. I only found out from a friend today that I could consolidate into a " direct loan '' in order to qualify for the public service loan forgiveness ( in 2 years ). We have now lost out on the opportunity to forgiveness $ XXXX from my husband 's loan ( pell grant + loan ) and my student loan. I believe this was just providing false information in order to keep our loans and continue to pay 6.5 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute this issue Bank for several months now sending him letters doing enquiries to them verbally asking them to remove unauthorized hard inquiries that were not authorized as well as removing the false information that they had provided and then had mistakenly remove the entire account kasi need to lose a year and a 1/2 of  credit history dropping my scores significantly and now they are not reporting on any credit bureaus they tell me they are when I call the credit bureaus it does not show is reporting and I look at my credit reports it does not show is reporting but regions proceed credit card shares by the fact there's nothing they could do because they're already reporting it I have contacted them and waited for 60 days for the no reply I've had to call them repeatedly in explain over and over with no recovery to fixing my credit and my score back I have had an account open with them for 2 years now and they have completely removed it from all 3 bureaus and I pay it monthly
Product: Credit card

I made a payment and asked the representative would I be able to receive a receipt. He said yes and after he processed my payment then tells me he has to mail it. He provided false and misleading information. He then says to call back and get the receipt after the payment posts and everyone that I have spoken with are unhelpful. Payment made of {$1000.00} confirmation # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding inaccuracies on my credit report, which I have already sent certified letters to Equifax and XXXX regarding the same issue. The certified letter sent to Equifax has a tracking number of XXXX, and I can provide further proof of delivery upon request. Attached to this letter is a copy of my credit report, which highlights the inaccuracies that I have disputed. 

I have diligently reviewed my credit report and have identified several errors that are negatively impacting my credit score. Specifically, [ Account XXXX - XXXX Account Holder XXXX - XXXX ] Account XXXXXXXX XXXX XXXX - - Account Holder XXXX Account - - XXXX XXXX Account Holder - - XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Holder XXXX - XXXX Current Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX  I have already submitted disputes to Equifax and XXXX to correct these errors, but they have failed to address my concerns. 

I am concerned that these inaccuracies on my credit report will not only affect my credit score but also my ability to secure credit, loans, and other financial products in the future. I am requesting your assistance in resolving this matter and ensuring that my credit report accurately reflects my creditworthiness. 

In addition to the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to provide accurate information to consumers and to investigate and correct any errors, I believe that the following laws also apply to my case : Fair Debt Collection Practices Act ( FDCPA ) : This law regulates the practices of debt collectors and prohibits them from engaging in unfair, deceptive, or abusive practices when attempting to collect debts.

Fair Credit Billing Act ( FCBA ) : This law requires credit card issuers to provide consumers with accurate billing statements and to investigate and correct any errors. 

Equal Credit Opportunity Act ( ECOA ) : This law prohibits discrimination in credit transactions based on factors such as race, gender, religion, national origin, age, or marital status. 

I am hopeful that with your assistance, we can resolve this matter in a timely and satisfactory manner. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

discover # XXXX and XXXX progress is violating my right by posting acct on my credit report i didnt get also they denied me in posted it on my credit report i ask for them to remove it and they posted another account on my XXXX acct as paid but never done business with them because the XXXX the acct under 15 US 1681 ( E ) ( B ) they have to have wriiten consent to post the acct i ask for them to deleted in its falsely post on my acct as paid but never did business with them. 15 US 1681 i section 6.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the credit reporting act the following creditors has violated my rights by publishing my credit cards and consumer cards account as late. 
- XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance of the credit Report act, 15 USC 1681 Section 602 state " I have a right to privacy ''.

In accordance of the credit Report act, 15 USC 1681 Section 604a section 2 state " Consumer reporting agencies should not furnish any account information without my written consent ''.

In accordance of the credit Report act, 15 USC Section 1666 B state " A creditor may not treat a payment on a credit card or open consumer account as late for any reason '' Therefore the credit reporting agencies such as XXXX, TransUnion and XXXX have violated my privacy right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX WY XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00}.
Product: Credit card

On XX/XX/2024 I the first payment in the amount of {$850.00} that was returned insufficient funds. I then scheduled a payment to process on XX/XX/2024 for the minimum amount due of {$25.00}. On that same day I received my paycheck which was more than anticipated and the {$25.00} payment had started being processed and could not be cancelled. Subsequently, I made an additional payment of {$200.00} to drop the balance down because I had exhausted the full amount of credit extended. It was none of Capital One 's business why I needed to rent a vehicle but nevertheless I had also received my income tax. 


I had initially given {$600.00} to extend her rental but she was unable to. My daughter sent me back the {$600.00} I sent her to make an additional payment to Capital One in the amount of {$600.00} so that we could rent a vehicle. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it is essential that the children get to XXXX  and XXXX  each day and it was easier doing with a vehicle than catching the bus so that was the reason for the additional payment in the amount of {$600.00} ( to rent a vehicle ). 

I rented from the airport which I did not know charges an additional {$100.00} for the deposit so I had to hold back an additional day of rental. Instead of renting through Monday to ren

t using the available credit I only rented through Sunday. Capital One 's fraud department called me to confirm the car rental transaction. I told Capital One that I did in fact make the transaction. I then proceeded to tell the representative that I needed to extend my rental and what would be the quickest way to make a payment on the account to gave the credit available. The representative told me I could not do a debit card
payment on the Quicksilver credit card. Therefore I made an additional payment on XX/XX/2024 hoping the payment would post and I could extend the vehicle to ensure my grandchildren got to their XXXX  and XXXX  appointments on Monday. Instead Capital One froze the card and in doing so has not applied the payment I made on XX/XX/2024 to the card nor has returned my payment. Instead they locked me out of even viewing the account asking for a picture of my driver license, ss card, proof of residency and bank statements showing the transactions. I complied and when I called customer service the representative told me whenever the validation department finishes they will call me. This is the cause because I am a hardworking individual and because they locked the account I wasn't able to extend the rental and by that being my last money left me without money to take an XXXX or XXXX to work to take or have my daughter take my grandchildren to XXXX  and XXXX. 

This has caused an adverse affect on myself and family. I gave attached the email from Capital One requesting documents along with copies of what I sent to Capital One.
Product: Money transfer, virtual currency, or money service

My wallet been missing for over a month & Half, and in that card I have my ID, Debit Cards, Social, And A Lil Slip With My Online Bankin & Password, so come to find out someone been dropping fraudulent checks & Withdrawlin Money, For Over Months, I couldnt log into online log in for weeks, then when I finally got in and checked it say I have XXXX balanced wid a returned check off XXXX, so now I think I have to pay these banks back, and come to find out I think they tried opening other bank accounts, I dont even know what to do
Product: Debt collection

XXXX XXXX XXXX, operating under the name XXXX XXXX XXXX has taken unlawful and fraudulent actions in an attempt to collect a debt for a XXXXXXXX XXXX XXXX XXXXXXXX account. They have never sent me any information about this collection account. No emails, no letters, and no contract. Upon making a call to their company I requested the contract, information about the lawsuit their attorney ( XXXX XXXX XXXX XXXX of Mandarich law Group , LLP ) filed with my local circuit Court, and information about the attorney himself. I was not provided with any of the requested information/documentation. I have a court date of XX/XX/2024 and I fully intend to countersue their company for taking such extreme measures to collect a debt that I was never properly notified of. I got divorced, had no job, and was struggling mental health disorders at the time this account went negative. So, I will take any and all steps necessary to bury them in court. Aside from that, they need to have their license to collect revoked with behavior like this and multiple class action lawsuits.
Product: Debt collection

I'm unaware of this debt I did not has an opportunity to dispute this debt also I did not recieved proper notification of this debt please provide the certified mail receipt with my signature on it.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Mariner Finance XXXX XXXX XXXX XXXX XXXX Maryland XXXX Subject : XXXX Mariner Finance, I am writing to dispute a collection/charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reporting on my XXXX, XXXX and XXXX Credit Report by your company Mainer Finance evidenced by the attached page from my report is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file partly or fully when such has been considered income. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and for which a Form 1099-C must be issued. Since your Company failed to issue Form 1099-C, one has been generated, issued, and accepted by the IRS which cancels the debt with the creditor. 

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge-off on my credit report is inaccurate and should be removed immediately.

I am requesting that Mariner Finance within the next 15 calendar days from the date of this letter rectify this inaccurate collection/charge and immediately delete it from your database. You are also to immediately delete the charge-off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please be aware that at the expiration of the 15 calendar days, should I not receive your confirmation that this issue has been rectified, I will be forced to file complaints with the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. 
XXXX XXXX
Product: Debt collection

I have a debt in the amount of {$500.00} for a XXXX XXXX Credit Card. I was contacted by Portfolio Recovery Associates and I agreed to pay amount owed if {$500.00}. I completed the transaction via my on bill pay. Payment was completed on XX/XX/18. I was contacted by their collections agent again days later saying I still owed that amount. I explained them to how I made payment and provide the transaction ID and trace number confirmed by XXXX XXXX. Over the past 5 days they have contacted me and demanding me to pay them until they complete their research. They insist that I just " Pay me and then it will be done for sure ''. I asked to speak with a manager and I spoke with XXXX XXXX ( XXXX ) and then XXXX XXXX ( XXXX ). I provided the document from my bank again showing proof of payment. XXXX informed that this document wouldn't matter even tho my bank confirmed this is proof of payment. XXXX gave me two different email address when I asked for and when she did get the email on ( confirmed delivery and receipt ) she read my account number and confirmed it was the same on payment form. I have called to try to resolve but, they give me the run around. I paid the debt, I have confirmation of payment but, no honest results from them or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XXXX of 2019, I considered refinancing a condo I have at XXXX XXXX XXXX, # XXXX, XXXX XXXX, SC XXXX. 

My mortgage with Chase Bank is at 5 % interest on a conventional 30-year mortgage. I'm a XXXX XXXX XXXX veteran who lost his job and wanted a better rate. 

When I contacted Chase about the gap between the current rates and my mortgage rate, the representative suggested an RMA to lower the interest rate given the circumstances. He also said any impact it might have on my credit would be negligible. 

In reliance on this, I applied for an RMA to see what they'd offer with the assurance that it would have no impact whatsoever on my credit score unless I accepted the terms of the RMA. Moreover, I was assured that I could get an estimate of the impact of the probable point on my score before accepting it. 

After three months of delays and being passed around to different RMA managers, Chase bank finally sent me an RMA offer. A mere {$42.00} reduction in my mortgage payment and the understanding that if I accepted it, it could harm my credit. 

I rejected the offer. I noted that it was insulting. I appealed noting they'd miscategorized my veteran 's XXXX income and underestimated my current living expenses. I was told they'd review the appeal and get back to me with a new offer promptly. That was two days ago. 

Today, I received a notice from my bank XXXX / XXXX. The report said that Chase Bank had erroneously reported that I had accepted their insulting RMA offer and that had somehow dropped my otherwise immaculate credit score nearly 75 points. 

This situation is totally unacceptable and contrary to the agreement. I never missed a payment. I inquired into the RMA based on a Chase representatives ' recommendation and misrepresentation. I rejected their offer. 

Then they torpedoed my credit score by pretending I'd accepted their offer. I want my credit corrected. I'd also like to report Chase for their dilatory tactics and for costing me what would have been a simple refinance by misrepresenting their RMA program and delaying a decision for over 3 months. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.