23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Sometime around XX/XX/XXXX, I submitted an application for an Income Driven Repayment plan. On XX/XX/XXXX, I received email correspondence from Navient stating that my monthly payment was reduced to {$36.00}. On XX/XX/XXXX, I logged in to the Navient website to make this new lower payment but the website said that I owed {$310.00}. I called the customer service number and spoke with a representative. She looked at the letter I was sent and she let me know that the {$36.00} was only for 2 of my loans and that my monthly payment is truly over {$300.00} and that I should be receiving another letter about the repayment amount for my other loans. It has been nearly a month and Navient has not and probably would not have sent any other correspondence had I not called in to find out what is going. The representative I spoke with is sending it to me. Their repayment letters are extremely misleading and this needs to be corrected immediately. I have no problem paying my loans back, but I need true information when it comes to making my budget. Now i have to spend nearly {$300.00} more than what I budgeted for so that I do n't have a late payment on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted an online dispute in regards to two collection accounts being reported incorrectly and in violation of the FCRA. 

Account 1 : XXXX XXXX XXXX account number XXXX visible on both XXXX and Transunion reports. 

Account 2 : XXXX XXXX XXXX account number XXXX visible on both XXXX and Transunion reports. 

I submitted documentation for account XXXX showing : XXXX XXXX XXXX had been reporting false information ( balance, status of account ), discrepancies in data across the different credit reporting bureaus ( date account opened, date of account first major delinquency ), showed where the account was CLOSED in XXXX, and finally documentation that I worked with the original creditor and they updated my profile and deleted the account from the credit reporting bureaus. 

Documentation sent in my dispute for XXXX account XXXX were as follows : 1. Transunion and XXXX reports showing XXXX XXXX XXXX reported a balance of {$1500.00}, yet the original creditor ( XXXX XXXX XXXX ) reported my highest balance ever as {$1400.00}. 

2. XXXX reports : XXXX XXXX XXXX was reporting an opened date of XXXX/XXXX/XXXX and the Date of Major Delinquency First Reported as XXXX, XXXX XXXX XXXX reports an open date of XXXX/XXXX/XXXX and the Date of Major Delinquency First as XXXX. While on my Transunion reports, XXXX XXXX XXXX was reporting an open date of XXXX/XXXX/XXXX. Yet, XXXX XXXX XXXX has an open date of XXXX/XXXX/XXXX. The opening date varies from the original creditor as well as on my different reports. This information was verified though. There can not be multiple dates that an account was opened. 

3. Transunion reports showing this account had been closed in XXXX. My Transunion report specifically showed DATE CLOSED : XXXX/XXXX/XXXX. The account still shows under closed accounts on my XXXX report. 

4. Transunion reports : showed the original creditor ( XXXX XXXX XXXX ) had reported a PAY STATUS as ACCOUNT PAID IN FULL ; WAS A CHARGE OFF. 

5. Transunion and XXXX reports showing original creditor ( XXXX XXXX XXXX ) had deleted the account from the bureaus effective XXXX XXXX. 

I submitted documentation showing that account XXXX has been reporting incorrectly. The documentation shows XXXX XXXX XXXX is reporting false information ( balance, date account opened, date of major delinquency first reported ). 

Documentation sent in my dispute for XXXX account XXXX were as follows : 1. Transunion and XXXX reports : showing XXXX XXXX XXXX reported a balance of {$630.00}, yet the highest balance ever on the account was {$630.00}. 

2. Transunion and XXXX reports : The original Creditor XXXXXXXX XXXX reports the charge off amount as {$300.00}. 

3. XXXX Report : XXXX XXXX XXXX reports the account was opened on XXXX/XXXX/XXXX and they report the Date of Major Delinquency First Reported : XXXX. The original creditor XXXXXXXX XXXX reports an open date of XXXX/XXXX/XXXX and the Date Major Delinquency First Reported : XXXX. XXXX XXXX is reporting an open date of XXXX/XXXX/XXXX on Transunion.
Product: Mortgage

I called Bank of America ( BOA ) to have my PMI dropped on XX/XX/XXXX. They told me my PMI would automatically drop when I was below 80 % LTV. My account is auto drafted. I have never missed a payment. I have financed 4 homes via BOA. ( NEVER AGAIN ) I opened a paper statement in XX/XX/XXXX, flipped the bill over, and notice I am STILL being charged PMI. I call XX/XX/XXXX to ask why. BOA tells me I have to pay {$520.00} for a re-appraisal. I tell BOA, per the Home Owner Protection act, my PMI should have been removed in ~XX/XX/XXXX. BOA tells me the ONLY way to get my PMI dropped is to have the appraisal. I send in {$520.00} for the appraisal. BOA mails me a {$520.00} back and says I do not need an appraisal. They drop my PMI. I would like to recoup the ~ {$1700.00} that BOA charged me in PMI payments that I did not owe from XX/XX/XXXX until XX/XX/XXXX at {$92.00} per month. The Homeowner Protection Act is in place because customers have NOTORIOUSLY had difficultly getting their PMI dropped. After trying to work with BOA on Request ID XXXX and Case XXXX, I am reaching out to the CFPB for assistance in recovering payments that I did not owe BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently filed a dispute with XXXX XXXX about public record information the company was keeping and reselling about me.METRO2 compliance regulations not being followed. In their response they removed the information from my XXXX and XXXX profile. The company verified the information in my TransUnion file. My complaint is that if this information was removed from two of the three credit reports then it should be removed from the other one ( TransUnion ) XXXXThe FCRA criteria and METRO2 compliance standards are the same throughout each bureau, and to XXXX XXXX yet they refuse to remove this negative public record. 15 U.S code 1681e ( b ) says that the information prepared should prepared with MAXIMUM accuracy this item is not. This item also violates FCRA 15 U.S. code 1681e ( E ) ( 1 ) ( a ) ( b ) 1681e ( E ) ( 2 ) ( a ) ( i ) 1681e ( E ) ( B ) all speaks of Procurement of consumer reports FOR RESELLERS.
Product: Debt collection

I received a notification that I now have a collection from Bullcity Financial Sol. I have no knowledge of this account. I have disputed this with XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent XXXX, Experian and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, checking my credit report, I noticed that an account is incorrectly reported with Select porfolio # XXXX balance of {$140.00} open which does not belong to me and / or I have any obligation, as a result of the first investigation submitted to the bureaus of credit the result was satisfactory obtaining an increase in my score of +70 points, extremely satisfied with the results and procedures of FCRA law. It is not when I received a notification on XXXX-2017 that my score fell due to the fact that said account that was  removed from my credit report was reported with a new balance amount of {$140000.00}, however I proceed to send a new one. investigation sending to XXXX evidence of the results of the reports and the corrections made but to date they have not corrected this error that makes a future purchase impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been receiving miscommunication on processes and timelines for receiving my payout for a process that I was told I would be able to " go around '' if I closed the accounts. Today, after multiple phone calls and " escalations '' I received an email after have confirmed multiple times that my accounts were already closed that they are closing them today and that my account is under review AFTER I've submitted their requested documents reluctantly. Today the person I spoke with shared with me that I am wasting my time because there is no timeline in sight for a resolution and if it did take three months to a year, it would have to take that long. I initially educated on a 10-15 day timeline. Once I called back to follow up, I was then given a 1-2 day timeline for their team to review my documents. Now I'm being told there is no resolution in sight. None of this makes sense when I paid off my accounts. I was educated that this process would take 10-15 days and now I'm being told there's nothing that I can do to receive my money back from a service they offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 XXXX Original Creditor and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informations inaccurate. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax released ( because of a hack ) my social security number, address, and other sensitive information.
Product: Credit card or prepaid card

Bank of america refuses to refund Me the money that was taken out of my account when covid hit I have been going back and forth with them for over 1 year I never received a card or a check I was out of state my old roommate stole my identity and bank of america will not help me I have sent them all my paper work and it's a joke now inwas denied for unemployment and disability with out them even Investigate in this situation
Product: Credit reporting or other personal consumer reports

I am filing to formally lodge a complaint against XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). Account Name : XXXX XXXX Balance Owed : {$7200.00}
Product: Prepaid card

I purchased a XXXX XXXX Gift Card on XX/XX/2025 from PenFed using my earned milage/points earned from my XXXX XXXX XXXX credit card. I received the gift card instantly. On the same day, I attempted to purchase a product online using the XXXX XXXX Gift Card and discovered that it didn't work. I called PenFed on XX/XX/2025 and XX/XX/2025 to tell them about the issue and PenFed confirmed that there is an issue. PenFed could not resolve the issue with my XXXX XXXX Gift Card.
Product: Checking or savings account

XXXX. Request - Online Msg to wbstr no Re : Arg acct XXXX I am the fiduciary for my late brothers acct. I have spent a lot if time over the last 3 years running back and forth to the branch. I had enough in XXXX of XXXX to have a fee free acct. After your system conversion, I no longer received stmts and were charged fees. This reduced the balance and fees started to accrue. I do not have enough time or space to go over the myriad of errors made by your " back office '' ( as described to me by branch staff ), over the last 3 yrs. That includes, online banking ( to my surprise it now works ), to the lack of paper statements and the 1 hr plus phone call ( in XXXX ) with a follow-up visit to the bank ( spring of XXXX ). This has been a terrible back office experience. One which should not have happened. And is still happening. 

**** Please Correct & Rebate the following - 1 ) Resume monthly papet statements ( asap ) 2 ) Rebate those service charges over the last 15 months ( I was told the branch could only do 1??? ) I will wait 1 week for a response and correction, prior to contacting, The Banking Commissioner. 

I have been more than patient. System conversions and prior back office errors, should not continue to occur 1 yr later. 

Thx XXXX - reporting to the state of CT. - XX/XX/XXXX They need help with : I'm having a problem with Webster bank. They are giving the run around over service charges that should have been corrected last XX/XX/XXXX. Today I spent 2 hours, got transfer 3 times and then hung up on. They refuse to connect me with an area Mrg or supervisor. 



Thank you, CT.gov Virtual Assistant
Product: Mortgage

mr cooper overcharged and imposed extra amount on my account for several consecutive months constitute a violation of our loan agreement and California consumer protection laws, as well as California Civil Code 3300. 

mr cooper only corrected and notified of their errors when I filed complaints with you and Attorney General 's office. 

As result of their breach and overcharging me in violation of the terms of the agreement for several months I asked mr cooper the following : Compensation not only for the overcharge but for the stress, emotional strain, time spent and other associated damages that I have suffered due to the mishandling of my loan account and time spent communicating with your company. The exact scope of your violations and their impact may not be fully known to me at this moment, which is why I am requesting a thorough and fair settlement. 

1. Financial Overcharge Compensation : {$45.00} 2. Compensation for Time Loss : {$1200.00} 3. Emotional Distress Compensation : {$3700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, US DEPARTMENT OF EDUCATION XXXX. 15 USC 1681 Section 602 A States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in reference is my XXXX XXXX  Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue 1 : Date of last payment [ XXXX shows XXXX XX/XX/XXXX, XXXX shows XX/XX/XXXX, Equifax shows XXXX XX/XX/XXXX ] Issue 2 : Account numbers differ ( see attachment ) Issue 3 : Date closed details [ XXXX shows XXXX XX/XX/XXXX, XXXX shows XX/XX/XXXX, Equifax shows no date/info ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my 3 Credit reports from, XXXX, XXXX, and XXXX there are 2 closed ( charged off ) accounts that I believe were opened fraudulently in XXXX, 2016 by XXXX XXXX, and also in XXXX, 2016 by Macy 's. I know these were not opened by me because I was still in high school and didn't know about credit until my recent years. I've spent the past year disputing these accounts as fraudulent and haven't had any response from either creditor. These fraudulent negative accounts are stopping me from proceeding to my next steps in life and are hurting my credit score very bad, I would appreciate any help I could get. 

Thank you.
Product: Credit card or prepaid card

1 ) On XX/XX/2022, I boarded the XXXX XXXX XXXX providing XXXX my XXXX XXXX card for incidentals. 

2 ) On XX/XX/XXXX, XXXX, and XXXX, a total of {$29000.00} was charged to my card, most of which went to the XXXX XXXX cruise line in XXXX, Florida. Being at sea, I didn't detect this until I arrived home on XX/XX/XXXX, at which time I cancelled my card with Wells-Fargo bank. 

3 ) My final statement from XXXX did not include these charges and I have no way of knowing whether these were made from the ship. I contacted XXXX XXXX and they denied that any cruises were booked in my name or paid with my credit card. 

4 ) Wells-Fargo investigated and concluded that, by giving my card to XXXX, XXXX had authorized these charges and am therefore responsible for them. This is consistent with the policy on the CFPB website : " if you give your card to someone to use, you have authorized the use. If the person uses the card for a different purpose, that may still be considered an authorized use. You would still be responsible for the charge, until you notify your card issuer that the person is no longer authorized to use the card. '' 5 ) I can't stay in a hotel, or go on a cruise ship, without providing a credit card. How can I be responsible for rogue charges such as this? This $ XXXX was almost double the credit limit on my card so a lower limit wouldn't have helped in this case.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against Equifax Regarding Inaccurate Late Payment Reporting for XXXX XXXX XXXX XXXX Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX XXXX XXXX XXXX Despite multiple requests for correction ( XXXX XXXX XXXX XXXX XXXX XXXX my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : 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 ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax ) 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 Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I had reached out to Goldman Sachs on XX/XX/year> to dispute a transaction for an order that was not fulfilled. The merchant had promised a refund but the funds were never returned back to my account. Evidence was requested, in which I submitted documentation that shows that I never received my order. On XX/XX/XXXX, I receive an email that the dispute was denied and no refund was due, even when the order status shows that I never received my order. I reached out to the merchant for documentation that shows a refund was due, such as a credit memo. I contact Goldman Sachs and the dispute was reopened on XX/XX/XXXX, where I was requested to submit the additional evidence. I submit the documents of the credit memo, confirmation email of refund, and photos of the online chat in which the merchants customer support states that my order will be refunded. On XX/XX/XXXX, I get an email that the dispute was denied again. I follow up with Goldman Sachs as to why a credit memo where the merchant says a refund is due, is still not enough to prove that the funds should be returned to my account. I was then told that the attachments I sent could not be accessed. Instead of reaching out to request the documents to be sent again, they took no action in resolving the matter and made a decision on no basis. After reaching out again, I had to make 3 attempts through Goldman Sachs as their customer support would disconnect when I try to get an update on reasserting the dispute. Based on observations, Goldman Sachs does not even attempt to contact the merchant, as I know I am due for a refund, the merchant knows I am due for a refund, yet Goldman Sachs says otherwise, with no proper foundation as to why.
Product: Money transfer, virtual currency, or money service

Coinbase owes me {$4800.00}. I filed a case # XXXX with them and they have been no help. On XX/XX/2018 the amount was sent over and received by coinbase. I received an automated email from them saying my funds would be available by the end of the day on the XXXX, instead it has been stuck on pending now for well over a month. And they will not help me. Their support team is horrendous. And additionally I was scammed another {$750.00} but a fake coinbase number I called that posted on Coinbase 's Support 's XXXX page. So they are also allowing scam companies to make posts using their same exact logo and font to offer help to ppl, when they should be deleting these fraudulent posters.