23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended XXXX XXXX XXXX now known as XXXX XXXX XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. XXXX XXXX XXXX closed in XX/XX/XXXX. Any student who wanted to further their education wasn't able to due to colleges not accepting credits from this school. XXXX XXXX XXXX was involved in a lawsuit similar to XXXX and other technical school. In XXXX, XXXX XXXX XXXX reached a settlement with Attorney General XXXX XXXX for {$200000.00}. This followed a 2-year investigation into the school 's practices and communications related to student loans, job placement and the ability to transfer credits. The students who attended this school are still struggling to pay their student loans despite the settlement. The students were left with high cost loans, no help with job placement and no credit transfers. Students who attended XXXX XXXX XXXX deserve the same relief as students who attended XXXX and the University XXXX  XXXX. 

Navient has been misleading. Everytime I've not been able to make a payment a deferment was placed on my account without my permission. My income driven payments were not income driven. I always had to pay the same amount whether I was on the program or not. Due to their negligence in reporting my delinquencies, I was not able to get my loans forgiven. Navient has not been able to help me lower my monthly payments and do not consider other factors that may contribute to you needing to do so. Instead, their suggestions would make it more difficult for borrowers.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transaction were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. The issue appears consistent with recent findings by the CFPB which identified similar practices by XXXX XXXX XXXX XXXX, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit card

Citi AA XXXX Master card, transactions does not go through when booking for travel hotels.

Call to clear and told me they can not help and is going to be sending me a letter to address the issue without able to expedite the letter or give me what they are missing to verify ; accusing me the card holder is not the actual card holder without performing kyc verification or any other justifications.

Card is going to be remain unusable for the upcoming trip and only hurts my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute Equifax dropped my XXXX score 51 points for no other apparent reason other than them putting a remark on the XXXX account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. 
After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with the FTC.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of accounts and mixed data that do not belong to me. These inaccuracies and mixed information are not only frustrating but also unfairly impacting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education/XXXX stating I owe {$29000.00}. This information is not correct as I do not owe them anything and they have violated my rights by publishing this info on my credit report. 15 USC 1681 ( a ) under the investigative consumer report, the consumer report should not include factual information, also they are supposed to interview my neighbors, friends and associates. None of this took place so it is a violation of my rights.
Product: Credit card

I attempted to product change my current credit card to another type through the process suggested on the Capital One website. I called customer service who told me the only way to change it was if a random offer was computer generated. I then escalated to the next level of customer service and had an incredibly rude conversation with that team member who refused to help and spoke to me rudely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance : {$26000.00}.
Product: Credit reporting or other personal consumer reports

Unauthorize use credit inquiry ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This account does not belong to me and should be removed immediately. I have no signed contracts with this company and have requested documentation to no avail from this company
Product: Checking or savings account

XX/XX/2023, my soon to be ex-husband egregiously wanted to chase bank, and FDIC insured institution and unilaterally and with reckless disregard shut down our joint checking and savings accounts. Chase bank without question. Allowed this to happen. Assets exceeded {$15000.00} and we are getting a divorce. Chase Bank refuses to remedy the situation. This is an outrage. They stole my money and my husband, stole my money. The whole point of the joint checking, and savings account was to protect equitable share. My credit was severely harmed. I have yet to recover my funds. What are my options? This can not possibly be legal and if it is one of my remedies still? I am indigent, broke, he is wealthy be on means, and he stole the only money that we shared.
Product: Money transfer, virtual currency, or money service

I want to take a moment to share my serious concerns about how Zella is handling disputes, especially in light of the recent lawsuit from the CFPB that points out major problems with the service. Ive used Zelle many times and have reported issues, but my bank and Zelle havent properly looked into my claims. They told me that recovering my lost funds is impossible in that tracking these transactions isnt always feasible. The CFPB is finding so that all has not only failed to protect consumers, but has also allowed repeat offenders to take advantage of the system, putting users at risk of scams. This lack of accountability and transparency is simply unacceptable, has affected my banking relationship as well, and raises real worries about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent account listed below which is resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNT THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX- ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been previously disputed through the proper channels and are the result of fraud and/or improper reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( This account is duplicated on report XXXX times, with different information on each account. ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Proper information was not provided to me within the 30 day period for the validation of these accounts.
Product: Credit card or prepaid card

Citi bank has decreased my credit limit from XXXX to the balance on the card. The company action is unacceptable and has caused me hardship on my overall financial situation. My credit score dropped from XXXX to XXXX because of citi bank action. I never been late or ever missed single payment. I use my card responsibly and keep my balance down nothing more than 50 % of my credit limit. 
Called citi bank and customer service said cant help. 
My credit score is bad now and I hold the bank responsible for that. The bank action was during the time of the pandemic and they have the right to take this action but there was no reason to hurt my credit that bad to consumer that never had any problem whatsoever with citi bank.
Product: Mortgage

Called today to schedule a payment in the amount of {$830.00}. This amount was given to me by a previous representative on a previous call. The agent that answered the phone was XXXX, pronounced ( XXXX ). I told her I wanted to schedule a payment, I gave her the date and the amount. I asked her to confirm that amount, that it was the remaining amount owed. I do this because BSI representatives are notorious for giving false info and I want to make sure its correct. Through the course of the phone call she confirmed to me XXXX different amounts. After I asked for confirmation the amount {$830.00} was correct, she gave me an amount of {$850.00} and some change. I asked her how she came up with that amount, she couldnt give a reason. Then she changed back to agreeing with {$830.00} without giving a reason why. I told her I wasnt confident that she was giving me a correct amount with no explaination. While driving down the road my husband did math on his phone and got the amount {$850.00}, which she also agreed with and confirmed. But then a few seconds later confirmed the {$830.00} amount again. I told her I didnt feel confident in her mathmatical skills since shes confirmed XXXX amounts at this point. I asked if she could ask for help or talk to a manager just so I know Im getting the correct amount. She declined me a manager stating that no one was available. I asked to speak to XXXX, who helped me last time a XXXX entered my bank account info incorrectly. I got XXXX voicemail. I hung up and called back and confirmed with another XXXX that the amount {$830.00} was correct. Then XXXX called back and she also confirmed too. But the whole point of this complaint is to acknowledge that if I hadnt questioned I would be paying the wrong amount, I would be paying {$850.00} and some change that XXXX gave me. This call was XXXX minutes long just to confirm an amount and make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following inquiries on my report. I do not recognize these inquiries. They were not authorized. I have contacted Experian but they refused to remove the inquiries. They are negatively affecting my credit report and I want them removed. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have an online account with Coinbase.com where I buy cryptocurrency and store it with them. XXXX allows us to change from XXXX XXXX to another so on XX/XX/XXXX I submitted 2 orders to convert XXXX dollars of MKR cryptocurrency to XXXX XXXX and XXXX dollars of AAVE cryptocurrency to XXXX XXXX. After I submitted the XXXX orders, Coinbase.com performed the conversion at NO fees, commission free. But I noticed that they only gave me XXXX dollars of XXXX from XXXX conversion and XXXX dollars from the XXXX conversion eventhough the conversion is for XXXX and XXXX dollars respectively. XXXX convert some of the money and kept the rest of the requested amount to convert. So I asked to convert XXXX dollars ( XXXX ) but they only converted ( XXXX ) dollars and stole the rest of my money which is about XXXX dollars. Where is my XXXX dollars and why they took it out of my account and why did they convert only a partial amount of my order and took the rest to themselves. Taking XXXX dollars out of my account is stealing and fraud and scam. I converted XXXX dollars of MKR and XXXX dollars of XXXX both to XXXX XXXX so that is what I should get and NOT less XXXX dollars and that is NOT fees. There are no fees for conversion and even if there is it wont be XXXX dollars XXXX gouge their fees on buying cryptocurrency and now they are stealing my money. I want my XXXX dollars back from XXXX. 
These transaction happened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items listed below. It is not authorized to fail to validate these reported items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

Filed prior complaints. Still showing me late on credit reports and won't fix. Can't get approved for new mortgage and they just increased my payment to {$1500.00}. They are over charging on payment and escrow. My payment is {$830.00} plus {$61.00} taxes and {$280.00} insurance Attaching copy of agreement.
Product: Vehicle loan or lease

I transferred a vehicle loan over to navy federal i sent in the documents requested. Nothing changed i received no notice from navy federal until the day they delivered the title to the vehicle to my door within 20 minutes after I received notice they did not receive loan transfer paperwork. I then started to monitor my account online my percentage rate was changing from 9 %, 18 % and 11 %. I asked for billing information to understand what I have paid for and at what rate. I was told I would receive an email. Never received one. The bank drafted the amount from my account on XXXX but I need to know the terms or have my account fixed to the original agreed upon amount. I don't think I should be charged different amounts based on how the wind blows. I would also like any negative reporting on my credit be removed once this is resolved. I have no issues paying a monthly rate but it needs to be agreed with both parties or put back to the original agreement since navy federal has admitted to having the documents they needed. I am very much feeling like this is predatory and I need help. I was just told today I can't even speak to the right department until I make a payment which is a different amount it's was just two days ago. Please help me no car is worth this much stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX. XX/XX/2023 I have a Hard Inquiry on my credit report from a company that i never authorized nor applied for any kind of loan or credit or any other financial service. I call them but no one answer the phone listed online. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We refinance our home with XXXX XXXX XXXX on XXXX 2017 and our old mortgage with Chase was paid off on XXXX XXXX 2017. On XXXX XXXX we called Chase Mortgage to see when would theyll be sending the money from our escrow account back to us for the amount of {$1800.00} dollars, they said we were only getting {$690.00} back because {$1200.00} dollars out of the {$1800.00} dollars were sent to the XXXX XXXX to pay for the property taxes which it didnt make any sense since our new mortgage with ( XXXX XXXX XXXX ) paid it already. XXXX XXXX has told us they are sending the money back to Chase by the first week of XXXX. That means Chase should give us our money before the end of XXXX not in 3 months. The right thing is for Chase to refund our money now since this was their mistake and since they have done nothing but lie to us and give us the run around, even their letter from the XXXX of XXXX says we will receive our money with in 10 days of closing.
Product: Student loan

I recently learned that my credit score dropped by 53 points due to my student loan having late payments. The problem with this is that I was on an income based repayment plan and had a {$0.00} payment due. No one has notified me that this expired or changed and now my credit report says my payment is behind 120-149 days. I do n't know who to contact to update my income information. I had a XXXX in XXXX 2017 and have been out of work since XXXX 2017 since before that I was working from home. Can someone reset my {$0.00} payment? Can I be contacted by mail since I have not gotten any other contact and so I can be sure to not miss it?
Product: Debt collection

I have this debt collector acting as if I own {$2500.00} on a debt they trying to collect and posing as XXXX XXXX XXXX. I never had a title loan with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I identified an unauthorized hard inquiry on my credit report by a company named XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. I immediately contacted them at ( XXXX ) XXXX and asked why they pulled my credit without my authorization at which time they stated that someone had opened an account with them using my information. They also stated that the account had not been funded. After a series of questions they stated that their Fraud Department would be handling this case and that they would be in touch with me in a few days. I waited a week before calling them to find out what was happening and got nothing but poor excuses. On XX/XX/22 I received an Identity Theft Victims Complaint and Affidavit in which I immediately completed with a Law Enforcement Officer XXXX. Upon completion I emailed it back to them at XXXX per their instructions. On XX/XX/22 I contacted them again to ensure that they had received the Complaint and they refused to tell me anything!! also refused to tell me that they had received it even after they verified my identity, They were acting very suspicious so I went to the XXXX  XXXX XXXX and looked up the Company and was horrified to find multiple issues with this company EXACTLY like mine. This company needs to be investigated and shutdown for its possible criminal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter to investigate this Navy federal cu hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.
Product: Debt collection

My information was exposed in the XXXX data breach, Remove this fraudulent account immediately.
Product: Credit card or prepaid card

Hello, I placed an order for a product in XXXX and it never arrived and I placed a dispute to my Goldman Sachs credit card and Ive been denied 3 times in this dispute, I have records of the company being unresponsive and leaving me with no answer yet they sided with the vendor. 
Its very frustrating I hope to see if this can resolve anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXXXX/XX/XXXX, US SM BUS ADMIN ODA XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Moneys were sent to wrong person. Had no way to contact customer service for corrections. Lost XXXX  dollars.