23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I made my last payment to my loans on XX/XX/2017. My balance is now zero. On XX/XX/2017, Navient took out a payment of {$380.00}. I called them and they told me I have to upload a copy of my bank statement before they can issue me a refund. They said it could take up to 10 days for it to be refunded. I have submitted the paperwork and am waiting to see if it will be accepted. I do n't feel like I should have to show them my bank statement to get a refund for money they took out in their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX {$410.00}
Product: Credit reporting or other personal consumer reports

I have been trying to apply for credit cards, buy a house & also get me a new vehicle but i noticed it was damages on my credit report. According to the credit report 15 USC 1681 law there should not be any damages on my credit report its a declaration to my character.
Product: Credit reporting or other personal consumer reports

Experian 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 Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were opened or reported in my name without my authorization. 
The fraudulent accounts are as follows : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX case # XXXX and XXXX Attorney General of Texas. Under 15 US code 1681 ( A ) and 15US code 1681 ( I ) ( XXXX ) this account is vialation not reporting 100 % accurate is list the child support court as the funnisher thats forgeny and misleading when the court dont report this type os account. under 15US code 1681 ( B ) permissible puposes of consumer reports. I never gave you any written consent to report anything on my consumer report no consent is identity theft
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : Professional Debt Me U S Dept of EDXXXX XXXX XXXX XXXX All Debt SolutionXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) Section 605C, which prohibits consumer reporting agencies from including adverse information in consumer reports resulting from human trafficking. Despite submitting valid and legally compliant documentation, Experian has refused to comply with this federal mandate, causing undue harm and hardship.

Issue Description I am a survivor of human trafficking and have taken the steps required under FCRA Section 605C to ensure adverse information related to my trafficking experience is removed from my credit report. To comply with the law, I submitted the following documents to Experian : A certification letter from the U.S. Department of Health and Human Services ( HHS ) attesting to my status as a victim of XXXX XXXX 
Documentation from a recognized and valid Non-Governmental Organization ( NGO ) supporting my claim.

Despite these submissions, Experian has failed to meet its legal obligation under Section 605C. Specifically, Experian has : Refused to accept my documentation, which meets all criteria established by the FCRA and its supporting regulations. 
Provided no valid explanation for their refusal or failure to act. 
Continued to report adverse information related to the trafficking situation, causing ongoing harm to my financial stability and well-being. 
Impact of Experians Non-Compliance Experians refusal to comply with federal law has caused the following : Continued damage to my credit report and score, impacting my ability to secure housing, employment, and financial services. 
Emotional distress and retraumatization as I am forced to relive my trafficking experience to resolve this matter. 
Violation of my rights as a consumer under FCRA Section 605C.

Resolution Sought I request the CFPB to take the following actions : Investigate Experians failure to comply with FCRA Section 605C.

Compel Experian to immediately accept and process the documentation I have provided, removing all adverse information that resulted from my trafficking experience. 
Ensure that Experian implements proper procedures to prevent future violations of this law and train their staff to handle such cases appropriately. 
Attachments I have attached the following documents to support my complaint : Certification letter from the Department of Health and Human Services ( HHS ).

Documentation from a valid NGO.

Copies of all correspondence with Experian related to this matter, including their refusal or lack of response.

Conclusion Experians actions constitute a direct violation of FCRA Section 605C, and their failure to address this matter undermines critical protections for XXXX  survivors. I urge the CFPB to hold Experian accountable and ensure compliance with federal law. If Experian does not take corrective action immediately, I am prepared to pursue additional legal remedies.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus about inaccuracies on my credit report, but my letters have been ignored. Instead, I've been receiving responses accusing me of using a third party. I have attached my ID and the relevant letters for your review.
Product: Mortgage

We received a letter dated XX/XX/XXXX that clearly stated that our refinanced mortgage was transferred from Gold Star Mortgage to XXXXXXXX XXXX, effective XX/XX/XXXX. In that letter, we were that as of the effective date, XXXX XXXX would be collecting our payments ( XX/XX/XXXX ) and that Gold Star Mortgage Financial XXXX XXXX will no longer be collecting payments. The letter stated " Please send all payments due on or after XX/XX/XXXX to XXXX Mortgage. '' When we were closing on our loan, we had requested that we begin making payments effective XX/XX/XXXX. However, when we received our information from XXXX, it showed that our first payment was not due until XX/XX/XXXX. To be honest, there were SO MANY MISTAKES made during our closing process ( which I could provide in further detail if useful ) that we just assumed that they had made a mistake and made our effective date XX/XX/XXXX. Since we had planned on paying our mortgage in XXXX, we did go ahead and make XXXX principal only payments to XXXX since we had the money and wanted to utilize the opportunity to pay down our mortgage. 

On XX/XX/XXXX I received an email from XXXX that we missed our payment. I spoke with that person and shared the letter we received that said payments go to XXXX. He indicated to me that he was going to email his contact at XXXX and request that the money we paid to them in XXXX be sent to XXXX. I contacted XXXX to ask about this, and was told by a representative that this was not accurate, that XXXX could not just send money to XXXX that we sent to them. 

Well, that seems to be exactly what happened, although the payment history with XXXX is very unclear and confusing and the letter they sent us ( which stated that the funds were returned to our financial institution, which we assumed was our banks, did not happen ). We never received any bill or statement from XXXX with information about what we owed or clarifying that something was wrong with the initital letter they sent to us about payments going to XXXX. We were specifically told by XXXX not to pay XXXX anything since they were our loan servicer now. 

However, when I called today, I was informed by XXXX that XXXX did in fact send the {$4500.00} we paid to them in XXXX back to Gold Star. No one told us this was happening, and we are not sure if this is even legal. Furthermore, we are uncertain that the payment accounting is correct, given that there are a lot of transactions and it is very unclear what occurred - we can provide a copy of the letter from Gold Star about XXXX servicing the loan effective XX/XX/XXXX, from XXXX that the funds were returned to our financial institution, and a pdf of the payment history from our online mortgage account with XXXX if any of that is helpful.
Product: Credit card or prepaid card

On XX/XX/XXXX Application for Chase Ink Preferred Business Credit Card was submitted. I called today to inquire as to the status. I spoke with XXXX in the Lending Department and was transferred to XXXX at Chase Business Accounts. He stated the account was denied to too many accounts. I then stated I do have personal credit cards and the only way to apply for a business credit card is with the use of a personal SSN despite the line of credit being extended to the company and use of FEIN. I then asked if is there a reconsideration phone number, to which he said no Chase Bank does not have that, this in itself is most certainly untrue. 

I called the business reconsideration line, XXXX, and spoke with an individual there who too told me the same thing. I asked how was this decision made. He stated that it was a systemic response. I asked what exactly does that mean-what 's the definition that Chase has provided for this term. He said it means just that. I asked was this reviewed by a human or machine / auto gen response. He repeated that it was a system response. I asked how was this decision rendered. He said " the system rejected it. '' I asked if a person reviewed it and or called me. He stated they do not do that. This is not true as when I applied for my Chase Sapphire Reserve credit card a representative from Chase did call me to verify that it was me and had personally reviewed my account and stated that yes I was approved. I then asked was this systems response due to their " 5/24 rule ''. 

" If you have 5 or more new credit card accounts in the past 24 months from any lender, you will get automatically rejected, no matter how good your credit score is. This policy is called the 5/24 rule. '' After several moments of silence he continued the conversation and avoided addressing the " 5/24 rule '', he then stated that they do not personally review accounts which I know to be false and find this to be discriminatory. 

The problem with this rule does make exemptions for authorized user accounts as it can not denote the difference. In addition they stated they do not personally review accounts which I know to be false and find this to be discriminatory.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XX/XX/year> National Credit Adjusters XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : XXXX. The method used to verify the accuracy of this collection account. XXXX. The name and contact information of the person or entity that provided the verification. XXXX. Copies of any documents or records used in the reinvestigation process. As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). Please provide the requested information and update my credit report accordingly. If the Information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ). Thank you for your prompt attention to this matter. I expect a response within the XXXX period allowed by law. Sincerely, XXXX XXXX XXXX
Product: Debt collection

I called Change Health Care the original bill collector for this debt owed to city of XXXX I told them that at the time of this ambulance ride I had insurance and that this would need to be charged through to my insurance. They resubmitted the claim to my insurance and my insurance company paid it on the XXXX. This is not shown on my credit report as I still have a collection on my credit report from Penn Credit for the amount of {$510.00}. This needs to be removed as it is stopping me from being able to move.
Product: Checking or savings account

On approximately XX/XX/XXXX I requested to open a business deposit ( checking ) account at Cathay Bank in the XXXX XXXX branch located at XXXX XXXX XXXX XXXX The relationship banker collected all the required documents, which I had on hand and after several back and forths with her management she informed me that I had to wait for the back office to verify if there were any derogatory reportings with XXXX and/or if my business was within their banks acceptable categories. So I was asked to wait for a call. After some time, the banker asked for additional documents- vendor contracts, latest months bank statement with my current institution. Although all of this was starting to ring very unusual I provided everything else requested. I am in the business of interior design and real estate stagings. I've been in business since XXXX and this is the first time a financial institution has brought forth a question with regard to the category of my business. I also was referred to this bank by friends in the same line of work who bank with this bank, so the question of category is not accurate. And as far as XXXX reporting anything negative is also false since I have now verified this after the topic was put forth by the bank. I am hoping this is not a case of discrimination since this bank seems to be predominantly of XXXX decent. I am not XXXX. I would like upper management to be aware of this encounter and put forth better measures to establish new clients. 

Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

So what Happened here I paid in full and can't get a release of my title from them they refuse to give it back it's been two months going on three. They are simple cash loans llc XXXX XXXX XXXX. They obtained loan Thur none truthfully actions now they been paid and not will to give back my title. They paid out XXXX and received back almost XXXX and won't even return my calls or email all they do is text
Product: Payday loan, title loan, personal loan, or advance loan

went told by the mechanic to fix the truck they said 90 day no interest never said after that 90 day they would but it on a lease and add all 12 month automatically even if u pay it off the next month so they just add XXXX on that even if i pay it off account number XXXX i also told them to but the payment to make sure they would make to pay it off in 90 day with i noticed was not done my amount was XXXX and they but XXXX on lease even went is pay sooner
Product: Checking or savings account

Account was closed by USAA for no reason and was not even giving a cause for being closed. Had been approved for a XXXX XXXX with them and had opened a savings account and a Mutal fund and all were shut down without cause. The only reason I was given was there was so flaws with my application and something did not match up which I provided them with all the requested information. I plan on filing a lawsuit with USAA if they do not resolve my concerns this is not how you treat a customer. You cant accuse or close someone account without giving them a reason and the reason I was giving had nothing to do with me, because I selected a car dealership which I did not know had issues with usaa they should not have closed my account. I'm so upset about this and I will file a lawsuit because this is not right nor is it fair.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report that do not belong to me and are negatively impacting my credit history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate, complete, and verifiable information on my credit report. 

The accounts in question are listed under Account Name XX/XX/XXXXXXXX, Account Number : XXXX, which I have identified as fraudulent or inaccurately attributed to me. These accounts are not mine, and their presence on my credit report is unjustly harming my creditworthiness and access to financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE READ THE ATTACHED DOCUMENTS FOR FURTHER DETAIL OF THE SITUATION. THIS IS A COMPLAINT THAT IS NON INFLUENCED FROM ANY PARTY.
Product: Checking or savings account

In order to access you Affirm account you must provide your cell number, input an access code SMS to your number and then retrieve a code from your email on file. 

I am not receiving the code to my email address. I have checked spam and junk and still nothing. 

I have spoken to them and been told it is fixed three times now and still have no access to my account. 

This account has multiple loans and a savings account all with automatic withdrawals and I have zero access. 

Please help.
Product: Checking or savings account

On XX/XX/XXXX my Credit Karma spend account was locked. The amount is showing as - {$20.00} dollars. The money had been pulled back from my externally linked bank account but before I could resolve the issue, my account was temporarily locked. Despite 6 attempts to get customer service to look into the issue nothing has been resolved. I have my tax return being deposited and I was told that if the account is not unlocked before then it wil get rejected and sent back. I would like a solution ASAP! I have looked into this to see if others have had this same issue with Credit Karma and it seems many others are in the same position with some being unable to access their money spend accounts for MONTHS for " fraud prevention ''. I DO NOT HAVE MONTHS TO SIT AROUND AND WAIT. I want my account unlocked NOW!!!! The people in the customer service do not care nor will they respond to my emails. I have verified my identity, I have done everything!!! Please help me unlock my account. I desperately need into this account. I have already sent the documents into an encrypted link, and the following case numbers XXXX & XXXX as well!!!! Ive submitted proof multiple times and Ive also already given them an explanation on the XXXX filed on XX/XX/22!! I have already submitted other identifying documents on XX/XX/22 to case number XXXX & XXXX. I also submitted a copy of my utility bill and my Social Security card as well. The reason for the XXXX return on my account was because my bank account did not have sufficient funds available, so it rejected the funds, however I do now have sufficient funds so I can deposit the money as soon as my account is unlocked! i also sent the right account statement, the account number is in the top right corner!!! they stated that the external bank account linked was incorrect but I have proof on my statement of the money coming out of that bank account number they are just trying to avoid me and avoid unlocking my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting unverified and unvalidated accounts on my consumer credit report. I do not have a relationship with the alleged debt collector. There is no signed contract between myself and the alleged debt collector.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX my client paid me for a session via PayPal. The session was rendered and the service provided. Following the session, my client paid me ( {$400.00} for the session fee and a {$60.00} tip to cover gas/travel ) and when I logged into my PayPal account I see that the amount is in hold. PayPal charged me their fees of {$16.00} ( robbery ) and then held the remainder stating that because I did not regularly do 10 transactions a month they have the right to hold my funds for XXXX XXXX XXXX I depend on payment to cover things like travel to/from sessions, pay for the things I may have used/equipment rented etc. On my Paypal dashboard it gave me ways to get paid faster such as updating my contact info, adding my ssn, etc. I have since completed ALL of the requested items yet am still being told that because my account is " new '' my funds will be held to protect PayPal against chargebacks etc. The client has paid, she tipped me {$60.00} and she received the service. There is no risk to a chargeback. I am due my funds and PayPal has no viable reason to hold my money. This is putting my family in a financial strain as I can't meet my obligations and run my business. Why would anyone continue to do business with a company that oversteps such boundaries? I am a photographer and not all of my clients pay via PayPal- some write checks, some pay cash - I am never guaranteed to make 10 transactions via PayPal a month to meet the standards of what they are considering a " trusted seller ''. This is largely unethical and all I want is my money and then I will remove PayPal from my website and cease to business with them again.
Product: Debt collection

XXXX made up unecessarily high false visits and charges to purposely run up a high bill to aid the attorney who referred me to him to win a lawsuit. When the attorney dropped the case the XXXX is now trying to put this fraudulent bill on me.