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

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Exprian and XXXX XXXX with no successful resolution. XXXX XXXX only reporting me late. There was definitely an error on their part. I was never 59 days late.
Product: Mortgage

Our home is scheduled for auction on the XXXX of XX/XX/XXXX This company is not helping us. We have pleaded with this company to help, but insist on making our lives incredibly stressful. 

My mother was the owner of the house until she passed in XXXX. Our loan went through so much before it got to our current mortgage holder. They do not care and just want us to go away. 

My sister and I have a right to live in the house according to CFPB rules and the Garn-St Germain Act of 1982. This act protects the heirs from Due-on Sale Clause. Meaning to be foreclosed on. 

My sister and I can afford the payments, but the company will not give us an opportunity. 
We were given a trail period in XXXX and made all six payments and nothing came of it. They took our money and still trying to foreclose on us. 

This is such a terrible company. There are rules set in place for our protection and they still won't abide. 

Why can't this company follow the rules?? How are they able to get away with this? 

My sister and I deserve an opportunity!
Product: Debt collection

This debt collector employed abusive, deceptive and unfair practices, violating the FDCPA. This company also engaged in aggressive phone calls, making multiple calls a day before XXXX and after XXXX, which can be proven with phone records. They reported an account we did not agree upon, and I did not sign any agreement. A legal contract involves two parties, and I was not a part of it. Moreover, they neglected the proper 5-step validation procedure, constituting an unfair practice. According to the FDCPA, I am entitled to {$1000.00} compensation per violation, and its clear they infringed on my rights.
Product: Credit card or prepaid card

I paid for a couch from XXXX XXXX with Synchrony Bank credit card. 

I did not get what I paid for. The couch was damaged. I paid for a brand-new custom-made couch. 

I asked XXXX XXXX to remove the damaged couch and they refused. 

I disputed the charge and requested a refund. 

XXXX XXXX has recently agreed that the couch was damaged when I received it and has offered to give me a new couch and allow me to keep the old one. 

I don't choose to have either. 

I did not get what I paid for. I would like a refund. 

Please note that I have been paying this bill monthly while I am disputing this charge.
Product: Debt collection

My name use to be XXXX XXXX and due to the fact another XXXX XXXX lives in my town I had it changed to XXXX XXXX. My information gets messed up with this other person 's all the time or that's what I'm guessing. 
I went to get a Driver 's License ( never had one ) and was told I couldn't because I owed debt through the Court. This was shocking because I went there prior to ensure I owed nothing and was told I didn't and I was good to go get a DL. 
I called the XXXX  , Inc on XX/XX/XXXX to find out they say I owe over a XXXX for citations/fines from XXXX and XXXX and a medical bill. I have a XXXX XXXX XXXX so that does muddle things but I know I never received any information in regards to these debts. I requested information and Debt Validation Letter and got nothing. 
On XX/XX/XXXX I sent XXXX  , Inc a Letter requesting information to verify the debt and when they sent the Debt Validation Letter. I also submitted a XXXX  XXXX XXXX XXXX form for Debt XXXX requesting information so it was very formal ( I have all copies needed ). They sent me back 2 packets. One for a XXXX ticket and XXXX a XXXX ticket. Neither packet shows my signature anywhere and the address for the Court are wrong or just missing ( XXXX XXXX XXXX then no numbers for where it was mailed ). The individuals name is not spelt like mine and most copies are to hard to make out. There was a bill on top stating the amount and that was it. No Debt Validation Letter, where they sent it, when they talked to me, anything about a medical center... nothing. 

Today I wrote up another letter clarifying that individual is not me, there are no signatures, I did not get told I owed any of this in a timely manner which would have allowed me to properly PROVE it's inaccurate. It is XXXX, who has proof of NOT getting citations from 9 years ago, the Court doesn't even have them, but they refuse to remove it from collections and collections won't send me anything useful to verify the debt.
Product: Student loan

As of XXXX as stated in the pdf file and Mohela website, my student loan that is under administrative forbearance has accrued interest of {$750.00} increasing the principal from {$42000.00} to {$43000.00} even though it is NOT allowed to accrue interest at this time as someone affected by the limbo caused by the Supreme Court battle.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check for XXXX to my USAA account from a member of XXXX XXXX. XXXX XXXX  flagged the check as fraud by accident and stopped payment on it. The XXXX customer contacted XXXX to let them know the check was legit. XXXX instructed the customer to rewrite me another XXXX check and it was deposited to my USAA account again ON XX/XX/XXXX. Well on XX/XX/XXXX Usaa decided to freeze my checking account and close them due to firing me as a customer. I was not notified or told u til 6 days later by mail. I have called to explain. That it was an error in XXXX XXXX  part and not mine or the check writer. It's now 8 days later and my accounts are still froze with over XXXX in it and my mortgage payment is getting returned from my lender due to the freeze.
Product: Credit reporting or other personal consumer reports

As the consumer, I mailed an opt out letter to XXXX, Equifax and XXXX XXXX on XX/XX/year>. I requested that they send me written proof of them applying my opt out request to my account. They ignored me and didn't process my request as the consumer.
Product: Credit reporting or other personal consumer reports

Again I am disputing the collection reporting on my credit file. It is against the law to report information, especially inaccurate information on my credit file according to the FCRA laws. I have more than enough times now reached out to the company and filed numerous complaints that now legal action will have to be taken. Ive explained my wallet was stolen from my purse and loan accounts were opened. This company did not obviously take better actions in verifying the identity of who opened it. It was opened online for one. Why is this company not responding and proving all Im asking for? I have previously filed a complaint with the CFPB regarding this account and through XXXX and it was finally removed, but Experians time frame to investigate the matter is not adequate and XXXX has removed it. Experian is the issue at hands now.
Product: Credit reporting 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) : # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) : # XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, date of last reported and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Student loan

Navient keeps claiming that I am " in grace '' when I am still in school. They attempt to have my loans turn from in grace to needing to be paid. They do this all the time. They keep doing it. Nearly every year I have to go to my school and have a paper faxed to them. They always claim that they do not receive it. I have to rush back to the school and mail it and force someone to sign for it. The times I have not they claimed they did not receive it. I asked them if they had someone who ran around the office pulling faxes out of the machine and throwing them in the trash. They hung up on me. Most of the customer service people who answer I can not understand as they outsource. I believe that they can not understand me as well and this causes problems and break downs in communication. I am tired of Navient XXXX me over. Instead of being able to concentrate on school I, instead have to concentrate on making sure my loans are not going in to default or forbearance. They do this every year!! I know they want the money, but to file false all these false allegations really annoys me. My roommate has loans serviced by XXXX XXXX and they do a wonderful job. I wish we were allowed to choose our loan servicers. I would never have chosen Navient knowing they were XXXX XXXX. The business practices and the way customer service treats people are deplorable! They claim to want to help, but told me that I would be better off using my student loan to pay my student loan if I was still in school?! Why would a company tell you to use your loan to pay off your interest?! I want my loan servicer changed. I want the ability to change whom my loans are serviced through. I do not want to deal with Navient. They do not have good or even scrupulous business practices.
Product: Credit card

on XX/XX/2024, I signed up for American Express XXXX XXXX credit card with a sign up bonus of XXXX ( XXXX ) x XXXX free night certificates for XXXX hotel room. I fulfilled the spend requirement but Amex said I'm not eligible for the bonus. Amex said there is a pop up saying I'm not eligible at time of apply. But during the whole application process, there is no pop-up like that. 

I want Amex to issue me XXXX ( five ) certificates as advertised
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 Account, 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: Debt collection

This company has been contacting me for the last two months. Ive asked for proof of this debt, which they were not able to give to me. I returned a phone call. I was able to get them to send me a text message with information, which states that I Had an account with Citibank and I owed close to {$2200.00}. I asked for additional information because I have not had an account With Citibank and almost XXXX  years. They told me that this debt is from XXXX I tell them that the statute of limitations has expired and they tell me that that is not correct. I called Citibank Citibank is telling me they have no record with Citibank and almost XXXX years. They told me that this debt is from XXXX  I tell them that the statue of limitations has expired and they tell me that that is not correct. I called Citibank Citibank is telling me they have no record of me owing them this money, this company is threatening to put a hold on my bank account. They are calling my job. They they are calling my family and I need some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have been a victim of identity theft and my information have been exposed on the XXXX data breach there have been a numerous amount of accounts that i have discovered on my credit reports that need to be deleted and investigated. please send me a updated copy of my information and credit report once information is deleted.
Product: Credit card or prepaid card

I would like to formally file a complaint against Citi 's Costco Visa card and the Citi card protection benefits are provided by XXXX  XXXX XXXX XXXX. I am filling a complaint as I have requested payment using my extended warranty reward. 

XX/XX/XXXX- Filled original claim with credit card company for reimbursement. At this point the company requested several docs which were all provided.

XX/XX/XXXX- Citi denied the claim requesting receipts and credit card statements matching numbers. In early XX/XX/XXXX my credit card number was changed but still the same account which caused confusion. I clarified and resubmitted it along with product photos. 

XX/XX/XXXX- Citi requested " Please provide copies of the monthly phone bills showing monthly payments to the device using the Citi credit card. '' I then submitted a number of bills, including one showing that this was on autopsy and month 24 of 24 had been paid with the credit card.

XX/XX/XXXX- Now Citi is requesting all phone bills ...

As can be seen by this pattern, Citi and Citi card  protection benefits are provided by XXXX  XXXX XXXX are continuously giving me and many customer just like me the run around.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$XXXX} XX/XX/XXXX NTL XXXX XXXX {$XXXX} XX/XX/XXXX XXXX XXXX XXXX {$XXXX} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I notice there has been a account on my credit profile that has been charged off as well as closed .I 've reach out to the credit bureaus as well as the lender trying to resolve this .I asked if a 1099c was sent out due to it being a charge off/write off I was told no they never sent one out .This charge off is currently showing a active payment history a charge off account should NOT include an active payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I recently applied online on XX/XX/2022 at XXXX for car loan through carvana.com and the application was approved. With a {$5800.00} down payment I spoke with one of the customer service representatives. I stated to the customer service representative that the down payments are not included into a finance charge under, Title 15 United States Code Section 1605 ( a ) The finance charge does not include charges of a top payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third-party, closing agent, including settlement agents attorneys in escrow and title companies, if the creditor does not require the imposition of the charges, or the services provided, and does not retain the charges. 

I explained to the rep that the down payments are not a part of the consumer credit transaction and are illegal and against the law. when she replied with a rude response then the conversation abruptly ended. 

It is to my knowledge that they are not exempt according to 16 CFR section 433.3. 

They declined me the option to finish the transaction without the down payment.
Product: Money transfer, virtual currency, or money service

I called a company Elite Financial Services Inc. to consolidate my credit cards they send me a paper to sign, they amount they charging me is crazy. they are taking advantage of innocent people like me who are desparate going through financial problems, i hope they do n't do to other people
Product: Credit reporting or other personal consumer reports

Hi my data has been breached. I have pulled my credit reports and I have fraudulent activity happing under my name. Here 's the list accounts that have been added under my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct these errors Per 15 USC 1681. Please and thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Sun XXXX on XX/XX/year> Regional ac conducted an inquirys into my personal information without my authorization or prior consent. I did not initiate any contact or business with this company and have no reason to believe they should be accessing my data.I would like this removed immediately thank you for your time & consideration.
Product: Debt collection

COLLECTOR ONCE AGAIN IS COLLECTING A FRAUDULENT CREDIT CARD DEBT AND KEEP CALLING MY FAMILY MEMNBERS 31 CALLS TO CELL.ALSO HAVE STARTED CLASS ACTION EFFORT FOR DODD FRANK ACT INFRACTIONS.
Product: Student loan

On XX/XX/2020, I sold my house to move with my job and paid-off student loans with Navient in the amount of {$34000.00}. Consequently, I had a pending service connected XXXX claim with the VA. In XX/XX/2020, I was notified by the Veterans Benefit Agency that I was determined 100 % XXXX and XXXX XXXX EFFECTIVE XX/XX/2020. In XXXX, I submitted my XXXX and XXXX XXXX Discharge for my student loans. XXXX determined I was eligible and discharged remaining student loans I had. Subsequently, I learned that any student loan payments I made after that VA determined EFFECTIVE date would be refunded to the person that paid them, which is me. 

I submitted an inquiry to Navient regarding this process and was greeted with a stout denial, stating " unfortunately, if a loan is paid in full prior to being approved for XXXX Discharge, you are not eligible for a refund of payments. Please understand, Navient must adhere to the guidelines for XXXX discharge as dictated by the U.S. Department of Education. '' I responded to Navient with the exact verbiage stated on the XXXX application, XXXX No. XXXX, that clearly states in " Section XXXX : DISCHARGE PROCESS/ELIGIBILITY REQUIREMENTS/TERMS AND CONDITIONS FOR DISCHARGE - discharge process for veterans who have been determined by the VA to be unemployable due to a service-connected XXXX : ... ... ..Determination of eligibility or ineligibility for discharge. if we determine that you are XXXX and XXXX  XXXX, you will be notified that your loans and/or TEACH Grant service obligation has been discharged. The discharge will be reported to nationwide consumer reporting agencies, and ANY LOAN PAYMENTS RECEIVED ON YOUR LOAN ON OR AFTER THE EFFECTIVE DATE OF THE DETERMINATION BY THE VA THAT YOU ARE UNEMPLOYABLE DUE TO A SERVICE-CONNECTED XXXX WILL BE REFUNDED TO THE PERSON WHO MADE THE PAYMENTS. '' XXXX, a customer advocate from Navient, directed me to " Section XXXX : Definitions - A discharge of a loan due to a XXXX and XXXX  XXXX cancels your obligation ( and, if applicable, an endorser 's obligation ) to repay the remaining balance on your direct Loan, FFEL, and/or Perkins Loan program loans. '' Clearly, this is a misreading of the process, requirements and terms/conditions for discharge. The XXXX Discharge application, regarding VA determined XXXX, does not state anywhere that if the loan is paid in full there is no refund. In fact, it says the exact opposite. ANY payment made after the VA determined EFFECTIVE date ( XX/XX/2020 ) will be refunded. I have spoken to Navient twice and have received the same response reflecting the XXXX XXXX statement. 

I inquired to XXXX, the company that administers the XXXX program, and the response from them stated " Thank you for contacting us. Your loan holder will refund any payments made after XX/XX/2020 ''. When I discussed this inquiry with XXXX at Navient, she stated she doesn't care what XXXX said. 

I have also submitted a complaint to the Ombudsman for Federal Student Aid with this information. There is clearly a misinterpretation of the process or a clear disregard for it. 

Please review this information. Thank You
Product: Vehicle loan or lease

Credit Acceptance is reporting an inaccurate account on my credit reports that I have been disputing with the credit bureaus. 

Credit acceptance is reporting a monthly payment of {$0.00} but this account has consecutive late payments reporting for over a year. How are these late payments accurate if there is no monthly payment due? They are also reporting multiple inconsistencies between each bureau such as different balances owed, last payment dates, open dates and last active dates. 

It is their responsibility as a consumer reporting agency to report 100 % accurate information and they have failed to do so. They have violated the FCRA and my rights as a consumer to dispute any inaccurate information on my reports and to have valid accurate reporting accounts. 

This inaccurate account has caused me a lot of distress as I am not able to get approved and have low credit scores due to their negligence. I am demanding that this account is deleted from my reports now!