23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have on two occasions now contacted Navient to take me off Income-Driven Repayment ( IDR ) as the loans are accruing around $ 1k of interest a month ( I owe almost 270k,  go XXXX XXXX ). 

The first incident was in XX/XX/XXXX, where I received verbal confirmation from their customer service rep that I was to be taken off IDR. 

This never happened. When I looked at my student loans again this XXXX ( XXXX ), I had not been taken off IDR,  and had accrued additional interest. I called Navient again, again received verbal confirmation. The representative indicated that I would see changes to my account after payment was drawn for XXXX. 

Payment was drawn for XXXX, and I am still not off IDR. I plan to follow up daily until they hopefully take me off this plan, but each month these people hold my loans hostage and make ~ {$1000.00} in interest, I am unable to get off IDR, and I am unable to refinance them or move them to a different lender. 

It honestly feels like I am being held as a financial hostage by this organization and don't know where to turn to.
Product: Checking or savings account

I woke up on XX/XX/22 and chase restricted my account. When I tried to log in to my mobile banking a pop-up appeared for me to call a chase phone number. After calling the number i was informed that my account was closed and I can not open any new accounts with my name with no explanation. I don't understand why that is since I haven't done anything wrong or had suspicious activity on the account. I would just like to find out the reason for my accounts being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account should be reported as closed with a XXXX  balance. No of the previous attempts to verify this debt has been completed by the agency. And no verification from the credit reporting agencies have been receive nor have any of the credit reporting agencies provided the manner in which they verified have been provided.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I attempted to make a purchase. that purchase was immediately declined by pay pal. The payment was still taken from my bank account processed through and received by pay pal. No pending. Processed and received By Pay Pal. There is no transaction history on my account, nothing to show it was declined or processed. I contacted both my bank and PayPal. Pay pal after immediately declining the transaction saying it was unable to process still processed and accepted the money they declined. I contacted them and they refused to immediately refund the money they took out. They told me 5 to 30 days to refund the transaction they declined and started they were unable to process. I will be filing in court for my additional costs of stopping payment on these payments. My bank charged me {$50.00} per transaction ( {$200.00} total ) to reverse and disputed the transactions.
Product: Checking or savings account

Chase bank charges three XXXX dollar fees for insufficient funds each day. I have had hundreds of dollars taken from me in the last ten days because of one transaction that took too long- they wont refund XXXX dollars worth of fees which is almost my entire rent. They are discriminating against their less affluent clientele, preying on us and keeping us in a position where we can never keep up with their constant fees for even one issue. They claim this is legal.
Product: Debt collection

Between  XXXX   XXXX ,    2017  and  XXXX   XXXX ,  2017  I discover ed Pinnacle Credit Services  reinserted account #  XXXX  in my credit file.   XXXX   is required to notify me within 5 days of reinserting a previous deleted item. I did NOT receive any notification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account or my consumer credit file I have tried several times to dispute this collection account with them, but they have not responded to any of my messages. After asking them to provide the full name and Social Security of the person and whom, this account belongs to I have realized that the name on this account is not me this account belongs to a one XXXX XXXX XXXX which is not me, and this name is not present on my credit file. please remove this incorrect information and this collection account immediately. XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a security freeze on my credit report account at Experian in XX/XX/2017, for a {$10.00} fee. I am now trying to temporarily remove this freeze again but Experian 's website is not allowing me to do this, despite that : - all my entered information is correct - there never has been any fraud, theft or other issues on my credit report/info - I provided the correct PIN number that was specifically created for the freeze - the identical information provided was good enough to procure a free credit report on XX/XX/XXXX The website reports that it can not verify my identity and that I have to mail in copies driver license, proof of residency, and SS #. 
This is a ridiculous and onerous request. Sending all this information by paper mail is unsafe. The request is especially ridiculous since I myself have initiated the freeze and have the correct PIN. If setting up a freeze online is possible, it must be possible to also unfreeze this account online. I have recently moved but my new address is a previous place of residence. All my former and current addresses are already known to Experian, as recent free credit reports show. If identity can be verified online for a free credit report, why all of sudden would my identity be not verifiable when it comes to a security freeze? 

I should also state that I only initiated the freeze due to the infamous hacker incident of client data in XX/XX/2017. I find Experian 's handling of this issue unprofessional and exceedingly burdensome ; this is the reason for my complaint.
Product: Checking or savings account

I received unbeknownst to me from XXXX XXXX account # XXXX for several months $ XXXX " portfolio management fee. I never requested or was advised that I had portfolio management or that there was a fee associated with it, and do not want and will never want such services. After complaining I was told that I had been sent a letter which I never received " informing '' me of this fee because my balance was below {$25000.00}. Why? Because without my advise or consent XXXX sold off part of their asset management business to a third Party which included my XXXX money market account XXXX which contains {$25000.00} as of XX/XX/2019, leaving me to pay for their greed. I spent several hours working with them and they told me that I could only solve this by going to my local branch in XXXX. which of course is closed because of Covid. Their case # is XXXX XXXX XXXX XXXX XXXX. Most dishonest bank in U.S.,. Have I not had my other autopsy, ssi, etc.,. Linked with this account for 36 years I of course would change banks. Help me. I am trapped at age XXXX!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$1700.00}
Product: Credit reporting or other personal consumer reports

i was a victim of the XXXX data breach. i want these items deleted from my credit reports as you can see, the XXXX actually deleted them, because i was a victim of this data breach. Here is the proof that i was in fact a victim of this XXXX XXXX breach.PLEASE DELETE these items below immediately as i was IN FACT a victim of this XXXX XXXX breach. 
XXXX XXXX XXXX XXXX Under dispute Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XX/XX/XXXX. XXXX XXXX  XXXX {$5900.00} XXXX Account charged off. {$5900.00} past due as of XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX  Balance {$21000.00} Status Account charged off. {$21000.00} written off. {$21000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX  Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX.
Product: Credit card or prepaid card

My Wells Fargo credit card shows an outstanding balance that is more than the running balance kept in my account. There is an amount for which there is no record : {$24.00} is the amount not showing. It is included in my outstanding balance, but is not a carry over from the previous month, nor a charge showing in my transactions. It is an amount included in my charges, but there is NO record for it. I spoke with the rep. on the phone, she tallied all of my charges and came up with the outstanding balance, but could not answer where the extra XXXX was coming from, since it does not show in my running balance or in my transactions. There is something wrong here. I have informed them I will not use my card again until this discrepancy is resolved, and she offered to transfer me to her superior. After a long time I was told I would have to wait since that superior was unavailable. I hung up. 
My account shows all transactions, and this {$24.00} is no where to be found. It is not a pending transactions nor in posted transactions. It is an amount that does not exist in my charges. I am being charged for an amount that Wells Fargo can not account for. Please investigate. I asked the bank to do so, and was stonewalled.
Product: Student loan

Navient continues to change the amount of Current Amount Due each month. I have never been charged a late fee. However, they continually send me notices saying that because I live in a jurisdiction that has been designated as a disaster area, a temporary natural disaster forbearance has been applied to your loan ( s ) listed below. 
I have not been in a natural disaster area. If I needed help I would call. However, that changes the amount and interest even seemingly though I continue to pay and ignore the fact they are giving me forbearance. 
They do not want this loan to every be paid. They want to continue to collect higher interest. I am working hard to pay this off. 
I have heard of other complaints saying that even when they paid the loan off they continue to get bills saying they owe interest even after paying in full. 
Also they do not recognize my account number with my SS number when speaking with a representative. I only make payments by phone. I do not trust them at all. 
I always ask for a confirmation email and have saved everyone.
Product: Checking or savings account

CHASE has not responded on how a former WASHINGTON MUTUAL personal checking account became  XXXX  account. According to CHASE my checking account number also became a business account when CHASE acquired WAMU. Their compliance dept closed the checking account without due diligence. CHASE has not attempted to rectify their error.
Product: Vehicle loan or lease

I attempted to use the extended service contract purchased from US Auto Sales about two weeks prior to the dealership closing. I attempted to contact the number given on the service contract for repairs when I was told that US Auto Sales hadnt paid their bill and the contract was not going to be honored by XXXX. Westlake Portfolio Management purchased the loans from US Auto Sales after they went out of business. I attempted to contact Westlake Portfolio Management about this and they said it was nothing they could do and I would have to make the repairs on my own and continue making payments which included paying on an extended service contract that I would be unable to use.
Product: Checking or savings account

I opened an Ally checking and savings account on XX/XX/2024. I set up my online banking and I funded my account by deposit a check in my savings and a check also I deposited a check in my checking account on XXXX the XXXX. I got a notification that my check would be placed on hold until XXXX business days which is today XX/XX/XXXX. Later on the day of XX/XX/XXXX I received an email saying my phone banking pin had been changed and I also got a message saying that my checking and savings will be restricted because they detected unusual activity it also said to call to verify some information. So I called about XXXX different times and got XXXX different answers from each representative XXXX of them said my account is under investigation and I am assigned to a investigater and that they will call if they had questions I also verified all of my information when I called and gave them my security word also but my investigator was very rude and was also discriminating me because I have a deeper manly voice. He hung up and told me not to call back and there is nothing that can be done. But mind you the first person I talked to said the restrictions will lift after the checks clear all the way which is Monday XX/XX/XXXX which is today I would not advise anyone to bank with ally bank they will try to steal your money. I also included proof and verification with this submission and proof that the check belongs to me with my documents supporting the check so I REALLY NEED MY RESTRICTIONS LIFTED
Product: Credit card or prepaid card

Comenity Bank charged me a late fee after telling me there's nothing due then sent an invoice with another late fee to cover the first late fee. I was instructed to pay off the {$68.00} and report it here but now they're charging {$28.00} for return fee when I didn't pay with a check and I specifically asked the customer service personnel who took my payment if there was anything else due. I am a military veteran  who suffers severe XXXX and this is really stressing me out. Please help me.
Product: Checking or savings account

I used CashApp to purchase items from a seller on social media. When the seller did not deliver the products purchased I tried to dispute the transactions and was told I couldnt dispute pending transactions. Then when completed I was told I couldnt dispute completed transactions. Now Im out {$1000.00}, still have no products I purchased and CashApp wont even talk to me about them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX  XXXX Account ( Account Number : XXXX ) Dear CFPB, I am filing a complaint regarding the inaccurate reporting of late payments on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no action has been taken to address this issue, which is a direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, TransUnion is required to ensure the accuracy of the information in consumer files. The continued reporting of incorrect late payments violates this obligation.

TILA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account indicates a failure to meet this requirement. 
The following XXXX late payments have been inaccurately reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These inaccuracies are causing undue harm to my creditworthiness and financial standing. 
Desired Resolution : Immediate removal of the inaccurate late payment notations.

Written confirmation of the correction. 
Please consider this letter as my formal dispute. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the CFPB and other relevant authorities. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is too much unacquires on my credit report. Fraud from following companies 1. 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 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 This Accounts/ Creditors as being reported has a CHARGE OFFs on my credit report. According to the guideline of Fair Debt Collection Practices Act, 15 USC. 1692 and as amended by adding following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) is USC. 1601 et seq.. they have violated rights a consumer, consumer being me.
Product: Credit reporting

On XX/XX/XXXX, I disputed XXXX adverse accounts on my credit report. I listed in my dispute that I wanted to dispute the date of first delinquency. When I received the final resolution of my dispute, there was no change in information reported on my credit report with the exception of the date reported. When I called Equifax , I spoke to a XXXX XXXX that explained to me that there is no way to distinguish between the date of first delinquency or the date of last delinquency in the information that is sent over to the creditor. I was advised that the creditor has the option to choose which XXXX they will send. I then advised XXXX XXXX that my dispute was not handled properly because the date of first delinquency was not verified and this update in the date of reporting had negatively impacted my credit score. I wanted the information on my credit report to be accurate. These accounts had not been reporting since XXXX, but now since they updated Equifax , with the same information as before, the date of last report had changed to XX/XX/XXXX. So now, this account will not be deleted from my report for an additional 10 years from the new date of last reported ( based on the results of the dispute ). So I added XXXX additional years of reporting onto my report and the information that I added XXXX additional years of reporting onto my report and the information that I asked to be disputed had not been verified. This change in reporting date negatively impacted my credit score by XXXX points. I went from XXXX to XXXX. This may not seem like much to some, but it changes my status from poor to fair which is huge for a consumer. 
The dispute process was put into place to assist consumers with having accurate information on their credit report, if there was a risk to my score I should have been notified before hand and if I should have been made aware that there was no way to distinguish between date of first and date of last delinquency in my dispute so that I could have made an educated decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams frauding my XXXX and XXXX and XXXX documents in XXXX PA shown fraud scams in XX/XX/XXXXtime frame using XXXX XXXX XXXX worker Then others frauded my XXXX familys documents with XXXX XXXX None of those documents are from Pennsylvania state None live in Pennsylvania. State of any of these years Last time I was in Pennsylvania state was XX/XX/XXXX time frame But I went to XXXX XXXX XXXX in XX/XX/XXXXfor 9 months before moving back to XXXX Indiana Indiana Others put in XXXX Pennsylvania frauding my XXXX Indiana high documents Federal not interested in Pennsylvania state and federal refuse any date offers from Pennsylvania state and won't marry into the state.. 
Pennsylvania state didn't own new York state one health department of XXXX XXXX XXXX from new York state of my birth father, Pennsylvania state doesn't own my XXXX   county Indiana birth certificate attached to XXXX Indiana Indiana serial numbered documents of superior court of XXXX county Indiana, Pennsylvania state don't own my family 's XXXX serial numbered documents of XXXX Indiana attached to my grandma documents of prior home deed and marriage and divorce serial documents Frauding scams frauding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania state is not the owner of my grandma grandma or mom 's documents of XXXX death record and my great great grandparents have never lived in Pennsylvania state. 

Frauding scams using death record of XXXX XXXX married to XXXX XXXX sir name of XXXX a XXXX Indiana corners record and there last home which they owned was in XXXX AZ, but both barried in XXXX Indiana serial numbered grave and as serial numbered corners records.. private furnal..
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$27000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 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, credit repair services, or other personal consumer reports

I filed a dispute several times and never received a response from XXXX XXXX and I sent them letters twice in the last 6 months and I am tried of it. They never responded to me an I allowed them more than enough time even past the time the law allows. I noticed that you are reporting this item on my consumer reports as a charge-off with a balance. I am writing to understand which portion of this alleged debt was charged off or cancelled because I do not recall receiving a 1099-CXXXX From my understanding, I am supposed to receive a cancellation of debt tax document so I can report this amount on my taxes.