23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been paying " XXXX XXXX XXXX  '' {$9.00} per month since 2019 under the assumption my loans were being serviced by Navient and ignoring XXXX as advised who I come to find is my actual servicer. I was told this was a forgiveness program when in actuality i was under a forbearance with nelnet and due to the pandemic did not actually have any payments thankfully. I want to assure I receive what I am entitled to through the Navient settlement and report the fraud. My account states XXXX XXXX XXXX  XXXX on my members 1st account. They do not respond. Thank you
Product: Checking or savings account

My money been stuck on my closed account of $ XXXX and chase keeps telling me that they are reviewing my account before they send me my cashiers check, and i keep asking what exactly they are doing and how long no one is giving me answers, I have missed two car payments and rent payments and i am currently living on a loan from a friend which is past due because chase is refusing to hand over my funds. Why do i have to go through this, my car has been placed on the repossession list and i am soo uncomfortable nowadays because i dont know when i might loose my car. I need my money and my life has been in shambles ever since because chase wants to hold my funds and when i call them they said it could take years, im not trying to wait a year to get my own money back that i worked for. My whole life right now is ruined and i request that my money be repressed ASAP
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX due to inadequate customer rvice and unfair practices, which violate e Consumer Financial Protection Act FPA ). Specifically, Cash App failed to take nely and effective measures to prevent and dress fraud on their platform, leaving my -count vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2023 I paid/spent {$1100.00} worth of Chase Ultimate Reward points to book two ( 2 ) hotel reservations, with guaranteed FREE CANCELLATION. When I attempted to cancel for full refund on XX/XX/2023, the vendor ( XXXX ) refused saying the reservation was " non refundable ''. This is Consumer Fraud as the vendor unilaterally changed the transaction terms AFTER booking. XXXX was predicated on Terms and Conditions that allowed FREE CANCELLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes with XXXX, XXXX and XXXX regarding an alleged bankruptcy chapter XXXX Case Number XXXX. This has been an on going issue since XX/XX/2021 and its now XX/XX/2021 and still no resolution. Lexis Nexis is the company who initially reported this inaccurate bankruptcy to the credit bureaus. Lexis Nexis has advised me that they have deleted this inaccurate bankruptcy from my consumer file however every time I file a dispute with XXXX, XXXX and XXXX they say this alleged bankruptcy has been verified as accurate with there 3rd party data furnisher Lexis Nexis. I have contacted Lexis Nexis several times to resolve this matter and have asked them to contact the credit bureaus by phone and mail and they refuse to. They keep telling me the alleged bankruptcy is deleted from my consumer report however the credit bureaus keep telling me that Lexis Nexis is verifying this alleged bankruptcy as accurate with them. I am stuck between the credit bureaus and Lexis Nexis and I am tried of going back and fourth with them. CFPB I need your help to get this matter resolved as soon as possible. This inaccurate item has ruined my reputation. If you look back on my previous complaints this has been an ongoing issue. Please delete this bankruptcy from my Lexis Nexis, XXXX, XXXX and XXXX credit file immediately as this is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim identity theft, and found numerous credit inquirires I have no knowledge of here are the inquirires that I have found, Capital XXXX XX/XX/year> Please remove these fraudulent inquirires from my credit report
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXXBalance : {$16000.00} ; XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$110000.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I paid off my current balance with CAPITAL ONE plus {$10.00} additional for any interest rates that may apply in preparations for a New Purchase. My balance should have been negative. 

Instead Capital One has added on additional fees and Even Applied a missed payment report to the Credit Bureaus dropping my Credit Scores Tremendously at a crucial time for my New purchase. 

Can someone please inform me of my rights as a citizen with information on what I can do about this situation?
Product: Vehicle loan or lease

This is to bring to your attention a significant concern about XXXX XXXX XXXX ' practices in regards to college graduates rebates. 

Yesterday I closed a deal on a 2022 XXXX XXXX with XXXX XXXX XXXX in the XXXX area. I tried to claim the {$500.00} college graduate rebate as part of the transaction and quickly realized that XXXX XXXX XXXX gouges college graduates by more than doubling their finance rates to obtain the rebate. 

I have XXXX credit score and before going to the dealership I qualified for 1.99 % interest rate for 60 months loan from another bank. Dealer finance manage told me that I have to obtain 4.35 % loan from XXXX to qualify for the rebate. When I read XXXX 's financial disclosure, it does not say anything about financing at a much higher rate ( more than double ) as a condition for obtaining it. 

Therefore, one of two things are happening : 1. XXXX XXXX XXXX is price gouging college graduates and abusing the rebate process for financial gain 2. Dealer ( as a representative for XXXX XXXX XXXX ) has significant demotivation to sell your loans and they are misrepresenting their rates. 

I just called their customer service line and as I expected, no one can address this concern.
Product: Credit card or prepaid card

I submitted an application to Chase.com and was rejected because of 3 delinquent accounts that someone opened and subsequently closed with my social security number and someone else 's name. Chase would not disclose further information because my name did not match the name on the accounts.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I sent {$250.00} to XXXX for cash pickup. The transaction was stalled and I was asked to answer questions about why I am sending money to THIS particular person. XX/XX/2023 I sent {$270.00} to XXXX and the transaction was stalled and I was asked to answer questions about why I was sending money abroad. The company policy was clear that money could be sent abroad for taxes, services, paying bill, etc. However I was told that MY transactions would be stopped and refunded if I did not send to friends or family. I was told that I would not be allowed to use the services of the money transfer company to pay for international interests. The transaction on XX/XX/XXXX was put through, the transaction on XX/XX/XXXX was refused by the company and immediately refunded.
Product: Mortgage

We are a Family living in XXXX Florida, Me, my Husband and XXXX teenagers daughters, I work for the XXXX XXXX XXXX, and my Husband is an XXXX, last year we had the impact of one of the most destructive Hurricanes from the past 20 years and under federal disposition all mortgages together with credit companies agreed to help the Florida residents holding payments for 2 or 3 months and putting those payments at the end of the mortgage life that was the agreement with US Bank our Mortgage lender, we verified before accept the help that the credit will no be affected and the monthly payment keep as before, after the first month without payment all statement came with all late payments fee, plus threatens of foreclosures, and our credit was seriously affected, we called several times, and their response always was that the system generated those warnings automatically but everything was under control and they will do a modification without affecting the current monthly payments in XX/XX/XXXX the first month after the 3 month hurricane help, well in XX/XX/XXXX our nightmare began, the modification last 3 months now we have to pay in full in 6 moths the 3 months of hurricane help that should be placed at the end of the mortgage life, then our first payment as soon as in XX/XX/XXXX jump from XXXX to XXXX for the next 6 months that include the month after Hurricane XXXX XX/XX/XXXX. XX/XX/XXXX. and XX/XX/XXXX plus the late fees ( XXXX ) that they agreed not to charge resulting in a total of XXXX, far from a hurricane help this is an abusive and coercive method of removing our home after 14 years of loyal costumers always paying on time it makes sense the housing market value is around {$330.00} and our debt is XXXX and we already paid in 14 years to US Bank XXXX, maybe more and our first preconstruction sale was XXXX. We are a mid-class family my oldest daughter is getting to the university, and the youngest in XXXX XXXX. We are very frustrated with this situation because of looks like if we do not have any rights and the banks have you as a prisoner due to the debt. This Institution is our last resource we beg you for help. We have no choice, no options as the US Bank repayment plan agreement says dated on XX/XX/XXXX, anything else means Foreclosure. Thank you for being there to give us some Hope.
Product: Credit reporting or other personal consumer reports

I was a victim of inaccurate reporting and this is another request to follow up the removal the inquiries from my credit file resulting from alleged inaccurate reporting. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after the XX/XX/XXXX. Ive already included this issue in my previous complaint and letter & I am including it again with a new FTC report XXXX. Also, the information you provided on these inquiries is UNKNOWN to me and was REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX : XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX. This complaint is to notify you if you do not REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your LAST NOTICE. Please REMOVE the INQUIRIES resulting from alleged inaccurate reporting.
Product: Debt collection

XXXX, XXXX  and XXXX  is reporting incorrect information on my credit profile. There are two creditors listed with the amount of {$280.00} and {$240.00}. Both creditors are in void without proof of written contract signed by me. These debts doesn't belong to me.
Product: Credit card or prepaid card

TD Bank representatives and supervisors refused to tell my how would my payment to a credit card account be allocated ( purchases, balance transfers, etc ). They say that the allocation can only be disclosed top me AFTER I make the payment. They even refuse to tell me what will be the allocation of the payment part that exceeds the required minimum payment. 

I called TD Bank at : XXXX. The representative I spoke to identified herself as XXXX, her supervisors were XXXX and XXXX. 

The address given is : TD Bank Marketing Department XXXX. XXXX XXXX XXXX, Maine XXXX
Product: Checking or savings account

I unfortunately became the victim of a check cashing scam back on XX/XX/XXXX19 due to a loophole in Bank of America 's check cashing system for long time customers, when a brother & sister approached me & asked if I bank with Bank of America, & after I responded yes, they asked if I could help them out & cash a check in the amount of {$4700.00} because the sister was desperate to make her rent ; sympathetically I said I don't think the bank will cash this, they'll probably put a hold on it ; I asked the teller if it if it would be ok to cash this check when I only had around {$50.00} in my account at the time, he told me it was without checking with anyone else there & that there wouldn't need to be a hold put in place. On XX/XX/XXXX, I had a notification that my account was overdrawn {$4000.00}, & the following day after my tax return had been direct deposited, my balance sits at - {$2800.00}. After getting a copy of the check on XX/XX/XXXX, which turned out to be stolen company check, I was told Bank of America allowed me to cashed it & didn't put a hold on it because I had been a long time customer ; I said I would be willing to pay this back but they said it would have to be for payments of $ 400+ every 2 weeks, in which I responded that I don't have any financial resources to meet that commitment. I filed a police report who were shocked that the bank allowed me to cash the check. I had to tell them it was because Bank of America said I was a long time customer & so apparently I can cash a check in a large amount without question. I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX, I finally received a response in a letter on XXXX saying that while they were sorry this had occurred, but due having signed a contract back in XXXX, they would deny my claim for reversing the fraudulent charge & that my account would be closed if it was still negative by XX/XX/XXXX. Now as a person who lives paycheck to paycheck, I don't have the resources to pay this back before this goes to collections without being financially crippled.
Product: Credit card or prepaid card

My Best Buy Citibank credit card is charging me almost {$100.00} a month in interest fees. I made a payment of {$500.00} in hopes of reducing my debt. Yet Im being charged almost {$1200.00} a year in interest. Im laid of due to the Coronavirus. This is absolutely disgusting.
Product: Debt collection

I rented apartment at XXXX XXXXXXXX XXXX  and my application was approved with {$1000.00} deposit in month of XXXX XXXX after i moved in month of XX/XX/2021, while staying with family in 2 Bed/2 Bath apartment i received lease violation notice after 2 months mention that my wife also living with me and i did not add her as tenant. I mentioned them about there was no place to add while doing application online. 

i was told it's an easy fix, all they need is name, SSN and D.O.B plus {$75.00} for applicating fees. 2 days later they ran my credit instead of my wife and i was told that now i have to pay additional {$1000.00} top of existing deposit. when i revised my lease no where it says each individual has to pay {$1000.00} deposit. when i mentioned them they forced me to sign addendum addition to my lease.

so i denied and i was told that either i have to sign or i have to vacate their apartment.

so i decided to Vacated my apartment. after vacate my apartment they keep {$1000.00} deposit plus they asked me to pay additional {$3100.00} 2 months rent since i am breaking their lease.

After they sent me certified copy i object that amount and submit complain to XXXX XXXX XXXX but 2 months later i received a notice mentioning this business are not in their file. 

After that they sold this balance to Collection agency Hunter Warfield, i started receiving call so i contact an attorney in Florida and after examine my case they took my case. they notify collection agency not to report to credit bureau and if they do they can report as disputed amount. 

even though they have been notified they kept calling me and they reported to Credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Unauthorized transfer to a cash app with XXXXwo different places where it was delivered. Illegal transfer from my credit union to cash app to participate in illegal activity. DISPUTED NUMEROUS TIMES AND WAS GIVEN THE RUN AROUND!!! Spoke to different managers and was accused of using a device that I didnt even own.
Product: Checking or savings account

I recently tried to open a chase bank account and was denied with the prompt we can not accept you with the information you provided us. I believe the reason I am not being accepted is because a few years ago someone used my personal info to open multiple banks account to attempt fraud, now I have issues trying to bank ANYWHERE. All I want is to be able to open a checking account.
Product: Debt collection

I am writing to formally dispute and contest the actions of SOUTHWEST RECOVERY SERVICES in relation to their collection activities towards me. I have reason to believe that their practices are in violation of my consumer rights under various laws and regulations. 

I hereby declare that I dispute owing any and all debts to SOUTHWEST RECOVERY SERVICES and request immediate validation of the alleged debt in question. Furthermore, I demand the purchase agreement between SOUTHWEST RECOVERY SERVICES and the original creditor pertaining to the said debt. 

It has come to my attention that SOUTHWEST RECOVERY SERVICES has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and yet has proceeded to report the collection on my consumer report. Additionally, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( C ). 

Moreover, I assert that SOUTHWEST RECOVERY SERVICES is violating my consumer rights through the use of false, misleading, and deceptive means in their collection practices. Their unauthorized furnishing of accounts to consumer reporting agencies without complying with necessary legal disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 27 ( A ). 

In light of these violations and discrepancies, I am formally revoking all rights of SOUTHWEST RECOVERY SERVICES to communicate with me via email, text, or phone calls. Henceforth, I request that all communication be ceased immediately. 

Furthermore, I request that SOUTHWEST RECOVERY SERVICES provides proof of being licensed and bonded as required by law. This information is crucial for ensuring compliance with regulations and validating their authority to engage in debt collection activities. 

I kindly ask the Consumer Financial Protection Bureau to investigate these matters and take appropriate actions to address the violations committed by SOUTHWEST RECOVERY SERVICES. Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance in resolving this dispute. I look forward to a swift resolution to this matter.
Product: Debt collection

I was informed by Americollect on XX/XX/21 that this debt was assigned to insurance and removal was requested by credit bureaus. However this was not the case, Americollect has failed to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

There is an Affirm account that I never open or applied for on my XXXX and XXXX report. I have reach out to the companies directly and the credit agencies the only agency to respond proper was XXXX XXXX. I have filed a police report and given the person info who I believe stole my identity. 


I am unable to get a home lone because of this one fraud account on my file. 

I need this removed per the FCRA rules. 

I will retain council if this is not investigated and removed.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 i noticed some questionable late payments on a closed account. The account also seemed to update monthly. To my understanding updating on a closed account manipulates the statute of limitations. Credit Bureaus are governed to furnish 100 percent accuracy at all times and with this XXXX XXXX account on my credit report they have failed to maintain accurate records. The late payments you report are unproven. Please maintain 100 percent accurate records or delete this account.