23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I co-signed four loans while my son was attending college Approximately from XXXX. At that time the lender was named XXXX XXXX. I didn't know then that this company was a predatory lender who would change its name to Navient while trapping off a segment of its clients. Originally the four loans totaled around {$64000.00}. My son was guided towards a forbearance program which ballooned the sum near {$100000.00}. My son and ex-wife who begged me to co-sign for these loans both have abandoned their commitment towards paying anything. I've been left alone as a co-signer with a payment that went from XXXX XXXX to Navient presently charging me XXXX XXXX. It appears only about XXXX XXXX or so goes towards the principal. I'm paying a fortune and the bill isn't going down. This company has intentionally manipulated this into an interest bilking scheme. I was sure that I qualified for relief from the past Navient lawsuit. Unfortunately I was told by Navient that I didn't qualify, while they gave no sensible explanation. Navient should not be able to pick who couldn't get relief from that lawsuit without a non-bias agency like the CFPB 's oversight. Clearly they've proven themselves untrustworthy. How did a fathers attempt to do the right thing by their child, end up such a nightmare? These payments are absurd, predatory and are sinking me.
Product: Checking or savings account

Wells Fargo may owe me money - I had an account between XXXX and XXXX
Product: Checking or savings account

I made a purchase for XXXX from curveous boutique. On XX/XX/2020 the mail carrier mis delivered my package. I went to the post office letting them know I never received the package. The post office told me to contact my bank which I did. The bank is telling me someone signed for the package a XXXX XXXX i explained I am not XXXX XXXX and I dont know who he is, later I found out it was a fill in mail carriers name. I have been disputing this since XX/XX/2020 with no resolution. I finally got a letter from the post office explaining I never received the package, after tracking it they realized it was delivered to XXXX instead of XXXX the bank told me its too late to get my money because of the lapse in time. I expressed to them that it was and ongoing investigation and that I had no control of when the post office would send a letter explaining meanwhile that XXXX made my account negative which then caused many things to be negative experiencing a XXXX additional fee. For each negative transaction I have never been able to get ahead after that. My son was murdered XX/XX/2020 and I havent been able to work my money is limited this charge has caused stress and anxiety because of the over drafts I have been behind because of that one transaction. Im Grieving and without working, money is extremely tight, because of that one transaction its made all my furture transactions become negative too Im currently out on disability ( after I lost my son ) I dont have money like that anymore it has been a struggle. Many may not be affected but XXXX has been tough to recover from. Please help, thank you
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted for lack of evidence : XXXX XXXX, XXXX/XXXX  XXXX  XXXX, XXXX-XXXX  XXXX
Product: Mortgage

I have a buyer with loan commitment supposed to close the end of this week. Closing Attorney has contactec SPF Deed is signed, we have the buyer 's insurance binder, final water, Smoke certificate everything the buyer just has to have the money he took from his current two family with a HELIC loan sit in his checking account for 48 hours for the final closing statement to be approved. XXXX XXXX contacted Select Portfolio and XXXX, XXXX XXXX who is holding the auction to try and get it postponed they refused told the closing Attorney to let them know if we record before the Auction sale tomorrow.
Product: Mortgage

Flagstar Bank didnt pay the second half of my 2020 property tax of {$1600.00} from escrow. My mortgage payment is paid timely every month and includes payments to escrow for insurance and property tax. I have not missed any payments. The escrow account has more than enough funds to pay the property tax. County auditor has charged interest. Property tax was due XX/XX/2020, and I just received a notice from the county auditor yesterday, XX/XX/2020. Flagstar has froze my account and refuses to pay tax from escrow.
Product: Credit card or prepaid card

I received a letter in the mail from Alaska USA Federal Credit Union telling me that they were turning down my application submitted online on XX/XX/22. I did not submit any such application, and had my credit locked through XXXX ( they notified me months ago of a possible data breach ) which is why they turned this fraudulent application down. I notified this company that it was a fraudulent application, and theyve noted this in my file. They had my ( correct ) social security number on the fraudulent application. Is there any way that I can get a new social security number since mine is clearly compromised? Alaska USA Federal Credit Union suggested that I file a complaint with you. Can you advise on what else I should do to prevent additional fraud? Thanks.
Product: Debt collection

Direct Recovery Services has repeatedly called, my husband, my ex-husband, my ex-husbands wife, my ex-mother in-law and myself. The woman has been given the information of my Bankruptcy Attorney on two occasions and was informed any further communications needed to be done through him. She continues to call regardless of having been given this information. Furthermore she is informing people other than myself that she is a debt collector calling regarding my balance.
Product: Vehicle loan or lease

this person work next to the car dealer. he ask me to cosign for a lease i agree to cosign. he bring the contract to my house and i sign as a cosigner. this contract was signed on my house, and wasnt sign in front of a notary public. i agree to be a cosigner. now 2 year later this person have 3 month  past due. when i called the financial institution i ask how can i get out of the lease because im just a cosigner. they told me i cant because im the OWER in the account and the other person is the co signer. i sign a paper that say im a cosigner, and they put me in the computer as owner. and also this contract is invalid because it wasnt signed at the dealer, nor infront of the financial manager of the dealer, nor in front of a lawyer or notary public.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Discover took over student loans and last month, switched my repayment options, without warning, to lower repayment speed. 

This is my chat with them : XXXX at XXXX, XX/XX/XXXX : XX/XX/1983 XXXX at XXXX, XX/XX/XXXX : Thank you for verifying that information with me today. I do show the amount you were paying monthly has been lowered. Recently we went transferred to a new servicing system. 
XXXX at XXXX, XX/XX/XXXX : how can that be? a bank can not simply re-do my payments I've schedule XXXX at XXXX, XX/XX/XXXX : *scheduled XXXX XXXX XXXX, XX/XX/XXXX : Since the transfer the system has been reviewing accounts, and saw that your account would be paid off sooner than the agreed upon term, so it lowered down. 
XXXX at XXXX, XX/XX/XXXX : iwthout asking? 
XXXX at XXXX, XX/XX/XXXX : and what is the agreed-upon term? 
XXXX at XXXX, XX/XX/XXXX : It was an auto adjust not a planned adjustment and we apologize for any inconvenience that this may cause. We do not have any prepayment penalties for our loans. 

Allow me a few moments to review each of your loan terms.
Product: Checking or savings account

Citibank Claim My name is XXXX XXXX, a Priority client of Citibank USA for more than 25 years. in XX/XX/XXXX, we discovered an astonishing amount of fraudulent charges made with my debit card. 
Immediately, we alerted the bank at their XXXX, FL office, we followed the procedure they indicated : cancel and report the debit card via phone, and reported the large number of fraudulent charges ( claim numbers XXXX, XXXX, XXXX, XXXX ). The detailed explanation is in attachments and communication sent to Citibank via XXXX. 
From XXXX until now, we have been trying to resolve this situation and having Citibank reimburse the fraudulent charges as protected by the Electronic Fund Transfer Act ( EFTA ). 
We have made several claims via phone, mail, and email. Some of them have been responded to with non-legal arguments. 
Due to Citibank 's lack of response to our claims, we proceeded to open a case with the Consumer Financial protection Bureau ( CFPB ) with unsatisfactory results. 
As a result we received a communication from Citibank ( Attached ) where they acknowledge mishandling our initial phone claim made in XX/XX/XXXX. Despite this, they have only reimbursed charges for about {$900.00} dollars, while the total fraudulent charges amount is approximately {$30000.00} In this communication, they argue the following allegation detailed below : They state that it is our responsibility to review the account statements and report errors. In our case, we face the difficulty of not residing in the USA, not being able to use the app, and having issues with online access as we are most of the time blocked. ( Reported several times ). Although we always trust the Banks security. 
Nevertheless, we reported on XX/XX/XXXX all fraudulent charges reflected in the statements of XX/XX/XXXX and XX/XX/XXXX, before the 60-days period that Citibank indicated . Despite this, the fraudulent charges made in those months have not been reimbursed by Citibank. 
Regarding the XXXX Charges, after receiving the XX/XX/XXXX statement, we made a final claim on XX/XX/XXXX. All that within the 60 appointed days. 
On the other hand Citibank informs us they never notified us of the large number of fraudulent charges because they were made in the USA and we have a Mailing USA address. 
Considering the volume of these charges compare to the usual transactions, It is a fact that there was a significant lack of security and negligence on Citibank because fraud can occur in any country, For instance, we had precedents of security alerts before via email for transactions made by us within the USA. In this case we did not receive any alert for those fraudulent charges. 
Consequently, we earnestly request Citibank, instead of apologizing and only returning a tiny portion of the withdrawn money from my account, they must comply with the EFTA protection laws that cover these fraudulent charges made with my debit card and reimburse them all.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$100.00} from my bank account through the PayPal app on my phone to someone who was posing as a volunteer from a dog rescue. I pledged money to save a nursing dog and her puppies from the euthanasia list at a shelter in Texas. I got a notification on my phone that a rescue was taking them and pledges should be honored. So I sent {$100.00} and then PayPal charged me a {$4.00} fee. As other people were commenting, I realized that I got scammed. I called my bank they couldn't stop the money from leaving my account even though it was in " pending '' status. Then I contacted PayPal and I was told that there is an agreement between them and the bank. My bank has no knowledge of this and no one from PayPal could tell where to get this agreement. My bank told me that PayPal should be able to pull that money out of that person 's account since it was done through their app and they can see where the money went. No one at PayPal is willing to help me with this. I filed a claim and they closed it right away. I have since sent them the documentation of the scam along with the receipt of the transaction. I was told that because I paid through the " Friends & Family '' method that I do not have any buyer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to unlock my credit report file with Equifax through their website called my Equifax. I kept getting the notification to call the company, so I did, I was able to verify all of my information to unlock my credit report, but they could not reslove the problem, so they asked me to fax my information ( license, social security card, proof of residence ). I did so on XX/XX/2020, I waited some time and called to verify it was received, they told me that they didnt receive any information so I sent it in again on XX/XX/2020. I called in today again to verify that they received my information and was still denied. I have a copy of my transmission retrieval fax confirmation for both times I sent them in. I also have the correct fax numbers used, verified by equifax. The were not able to give me any answers to why they haven't received my info and also asked me to send it in for the 3rd time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out dispute letters to challenge what was on my credit report they take more than 30days to come back with information and also they have so many different things on my credit report that isnt me I never applied for a loan from XXXX  XXXX
Product: Mortgage

I am buying a for sale by owner and we have an escrow company/account. The escrow company, XXXX XXXX in XXXX, just informed me that they put the wrong percentage in the loan back in XXXX of 2019 when I started the purchase. My loan statement was reflecting the amount paid off based on the wrong percentage amount, and now they want to add back the amount/difference. 

I've emailed the escrow company that it is their error and they should have insurance to cover their responsibility for their mistake ( about XXXX ), but they said it's just human error. It was almost 1 1/2 years ago. Are they responsible? I don't know. 

Thank you.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXXXXXX XXXX ] [ XXXX, GA, XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccuracy on my credit report as reported by your bureau. The account in question is XXXXXXXX XXXX XXXX which is reflected on my credit report with a reported balance of {$730.00}, marked as closed, and listed as charged-off. 
After reviewing my credit report, I have identified the following inaccuracies regarding this account : 1. Payment History : The report inaccurately reflects my payment history as being 120+ days late for several months, which I dispute. For example, XX/XX/XXXX is listed as current, yet subsequent months reflect inaccuracies in payment status without proper context. 
2. Account Closure : The account is listed as Account closed by credit grantor, but I did not receive formal notice of this closure nor the reason behind it. 
3. Balance Reporting : The reported balance of {$730.00} seems inconsistent with my records, which show a different amount. 
These discrepancies are significant and impact the accuracy of my credit report. I am requesting that you investigate these inaccuracies and provide the supporting documentation from the creditor to verify this information. If the inaccuracies can not be verified, I request that the account be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
Please confirm receipt of this dispute and provide the results of your investigation at your earliest convenience. You may contact me at [ Your Phone Number ] or [ Your Email Address ] if further information is needed. 
Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate late payment entries on my credit report, which are negatively affecting my credit score and creditworthiness. 

These inaccuracies are unjustly damaging my credit score and creditworthiness, impacting my ability to obtain credit at favorable terms. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Portfolio Recovery A Original Creditor Name : XXXX XXXX  I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

Called XXXX XXXX XXXX @ XXXX after being transferred from XXXX XXXX XX/XX/XXXX to inquire about credit card account that was sold to them by XXXX XXXX XXXX  . This account was written off by XXXX XXXX XXXX, original date opened was XX/XX/XXXX. Balanced updated by XXXX XXXX on XX/XX/XXXX. I advised the rep that I wanted to pay the balance to alleviate the debt to remove from credit report. Representative advised me that they have no record of the account. My first call was 5 days ago at and I was told to call back today. I was told that they have no record of this account again. There is an uploaded copy of the XXXX XXXX XXXX information on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( 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 You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Greetings, i apply for a loan on XXXX with pay later with XXXX  for a video card that later was returned and never fully refunded by the merchant. 

Purchase price {$2200.00} Interest ( XXXX XXXX XXXX ) Loan ID XXXX XXXX Installment Loan On XXXX the loan Was paid fully even if there was a dispute bc of a refund that wasn't fully refunded. I dispute the charge as i wasn't fully refunded by XXXX and i ask XXXX to investigate. They told me after 2 weeks they couldn't do anything so i made the final payment on XX/XX/XXXX. 

On XXXX i was refunded somehow so i called and made a second payment bc XXXX  claimed that the payment of XX/XX/XXXX was refunded back so to avoid late payment i made another payment of XXXX for the second time on XXXX XXXXThe loan was paid off for the second time. 

On XXXX i was notified that my loan was charge off bc they never receive the payment of XXXX in switch i paid twice. Somehow XXXX  refunded both payment and no explanation was giving on why those payment were refunded twice. 

I paid again for the XXXX time in XXXX but they already reported as 90 day late. 

I try to reason with XXXX  telling them that i made those payment and that XXXX  refunded me for no reason and never sending any notification on those refunds. 

I made those payment in time on XXXX, XXXX and XXXX so the report of 90 days late payment are false and i asking for the late payment to be removed from my credit since the mistake was made by XXXX  which refunded me the payment twice without notify me. 

I'm adding email from XXXX  confirming the payment of the loan and bank statements were the loan was paid.