23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been dealing with Navient, formally XXXX XXXX, about an issue of miscommunication which landed my student loans in default. I have been repaying them while on a payment agreement but they have been and are still reporting my accounts as past due for obsurd amounts of money. When I call them I am placed on hold for an hour at a time and I never get the help I am asking for. I keep getting passed off to different people who ca n't help me at all. After a couple years of fighting with them about this and getting nowhere, even when I hired an attorney to try to have them remove the false reporting from my credit history, I am reaching out to consumer finance. Since I have been on the payment plan for a few years now I am asking to have someone help me get Navient to reverse the false reporting of past due payments since I am making payments on the all of the loans monthly. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FORMERLY XXXX Date opened/XX/XX/2020 Amount owed $ {$16000.00}
Product: Credit card or prepaid card

Credit card was paid off and I requested for a pay to delete and the company still has it on my credit report as closed instead of deleted.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am filing a complaint against Capital One for misleading and deceptive advertising regarding their 360 Checking accounts. I opened a 360 Checking account based on Capital Ones advertisement promoting a higher interest rate, with the expectation that I would benefit from their high-interest savings offering.

After opening the account and depositing my funds, I discovered that the interest rate was reduced to 0.3 %, which was significantly lower than what was initially advertised. This bait-and-switch tactic misled me into opening the account under false pretenses and has resulted in financial harm, as I could have chosen a different financial institution offering better terms had I been provided accurate information upfront.

Capital Ones actions feel deceptive and unfair, as they promoted one interest rate to attract customers and then failed to honor those terms after the account was opened. This behavior undermines trust and transparency in financial services.

These issues align with the recent CFPB finding against Capital One for similar practices, where they advertised one rate and then changed it after consumers opened checking accounts with them.

I believe these practices are unfair and I am requesting that the CFPB investigate Capital Ones advertising practices for their 360 Checking accounts and hold them accountable for these misleading practices. Additionally, I am requesting restitution for the financial harm caused by this bait-and-switch tactic. 

Thank you for your attention to this matter.
Product: Student loan

I can not recall dates and amounts. However, Sally Mae and then Navient historically have only offered me forbearance and not income based repayment options to the point that I no longer have forbearance left in my agreement. 

This has set up a situation where in when I have financial difficulties Navient threatens my cosigner and tries to have me pay an amount I am never able to afford. I recently have dealt with a five month stint of being unemployed. Navient would only accept payments of close to {$350.00} a month out of my {$1800.00} a month unemployment payment, which I could not afford if I wanted to have a place to live or eat ( I was not eligible for SNAP ). 

In this time they insisted on pushing to get information about my cosigner ( my mother ) they are not legally entitled to in order to try and force me or my mother into making payments we can not. My mother is on a retirement XXXX social security fixed income. 

Further more, when I signed both initial loan agreements I was told that if I made 2 years of uninterrupted payments I would be able to remove my cosigner. When I met that obligation and contacted Navient ( Sally Mae, at the time ) the denied that was ever part of the agreement and dismissed my request. 

I am now at a point with these loans that I now owe more than I did upon my graduation from graduate school due to the interest accrued from the multiple forbearances I was manipulated into taking because of national economy issues related unemployment. 

At the time of filing this complaint I am XXXX years old. I graduated XXXX years ago. I have at least 25 years to pay on a loan that is now structured with interest in a way that I can not practically pay down the accruing interest and pay the debt off. 

What was sold to me as a loan solution has become a burden I will likely carry to my grave because the condition of the loans are as such that I will likely never make enough money annually to pay it off and the plausibility of me saving money because of the interference of this loan is impractical. 

On top of all of this, the stress from dealing with this loan in particular, has aggravated my diagnosed XXXX XXXX XXXX to the point that I am now on the maximum safe dosage of XXXX ( XXXX ) and the diagnosed XXXX XXXX XXXX is wirsenuing every day. Even as I am typing this I am fighting to prevent an anxiety attack because I am actively thinking about the Navient loans and the ruin they have brought on my life. 

Naveint ( formerly Sally Mae ) has quite literally ruined my day to day life, made the prospect of late life destitution inevitable, and has caused and is causing me significan health effecting psychological issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX is reporting an incorrect balance on my account. This account has been settled and paid off and should no longer be reporting a balance to my credit report.
Product: Credit card or prepaid card

On XX/XX/2019 i filed a dispute request for funds to be deposited to my account prior to the end of investigation. Then at XXXX XXXX i recieved a text stating there may be problem with my card and to call XXXX XXXX   so i did at which time i was informed their risk department closed my account because i was high risk they would not tell me why i was high risk and but they informed me that i can never have an account with net spend or XXXX XXXX ever again because they classified me high risk i requested to talk to supervisor and requested my disputed funds and half my monthly fee because they closed my account right after getting charges and any other funds returned to me and was told they could not do anything and that i would be contacted by corporater that same day but they would not provide me a number to corporate or risk management i received a letter saying my dispute was found in my favor and deposited into my account i have received no calls from corporate or any of my funds or a satifactory outcome from XXXX XXXX or net spend i also just ordered a card for my girlfriend on myx account and so she is high risk and can not open an account with them even though she has had account far longer than i
Product: Credit reporting, credit repair services, or other personal consumer reports

i've been trying to access my consumer report, credit score and apply a credit freeze to my Transunion and XXXX reports for the last XXXX months and all i keep getting is that my info is either unavailable or unknown i cant access none of my info it states that its not available for me to do anything the fact that i cant even place a freeze on my account puts me at risk for identity theft this is a violation of my rights as a consumer the FCRA STATES THAT : I HAVE THE RIGHT TO ACCESS MY CREDIT FILE I HAVE THE RIGHT TO CORRECT ANY INACCURACIES ON MY CREDIT REPORT AND I ALSO HAVE THE RIGHT TO SEEK DAMAGES AGAINST THOSE WHO VIOLATE THE LAW and more and I am in the process of taking legal action against this reporting agencies I've been denied auto loans, mortgages and credit cards do to this issue it is currently interfering with my livelihood and means to support my family
Product: Credit reporting or other personal consumer reports

The issue began in January 2025. I was told when starting a new utilities service that I had a freeze on my credit report. I did not request the freeze, so I contacted the XXXX bureaus. There was no problem with either XXXX or XXXX, and I was able to get my credit report from both of them. 

However, I was unable to get my credit report or information about the freeze online from Equifax, so I called them, and the representative told me I had no credit file associated with my name and social security number. I tried all past names as well ( maiden name, former marriage name ). He said that my social security number had a different name with it and could not tell me what the name was. He told me I could mail in my documentation ( driver 's license, social security card ) and a cover letter, so I did. I requested a correction of my file, a copy of my free credit report, and to stop the freeze. 

Several weeks later, I received a letter back from Equifax saying they could not respond to my request because they were " unable to locate a credit file '' for me. I am certain that I have credit established and that the information is being reported correctly to the other bureaus because my files with XXXX or XXXX are correct. 

I am at a standstill with Equifax because they claim I have no file, and since they won't tell me what name IS associated with my social security number, I have no way of accessing whatever information they have. Apparently sending in my documents was not enough to convince them to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Adverse action was taken against me due to unfair and inaccurate consumer report. I was denied personal services by XXXX XXXX and the reason for was because of the consumer report score. They did provide me with Experian information which is the source of where they got the information. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) Consumer reporting agencies must have permissible purpose written consent from the consumer to furnish such information. I also find inaccurate information on the consumer report including names addresses and accounts there's also inquiries that is showing in which I received no benefit or have any knowledge of that I wish to be deleted. Experian has 14 days. It is your responsibility to make sure your being fair and protecting my right to privacy. Thank you
Product: Money transfer, virtual currency, or money service

I was using PayPal for some XXXX  years without problems making many purchases and some money transfers... .then I got message that there was insufficient funds in my bank to make a transfer I asked for ... ..actually there was a lot more than necessary ... XXXX bank I have been with for close to XXXX years wrote to me that they never received a request from PayPal for the sum I XXXX ... ... XXXXPayPal has a very bad reputation on some web sites regarding problems with resolution ... ..You may ask PayPal for all communication regarding my requests to XXXX their computer problem ... ... I am a XXXX XXXX living in XXXX... .This is XXXX fantastically well designed XXXX site for problem resolution ... ..PayPal should get equally good page designers
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an updated XXXX credit report today and still the accounts that I am disputing are still reporting. I tried to call XXXX XXXX you can't get through to speak to a person. I then tried to dispute the information ( AGAIN ) online and was unable to do so. There are 3 accounts that should not be reporting on my creidt report. 1 ). XXXX XXXXXXXX XXXX this account was deleted off my XXXX   report after there investigation. XXXX should have received the same response and delete but they did not do it. 2 ). XXXX XXXX  XXXX XXXX XXXX. This is a fraudulant account with fraudulant charges. It was investigated by XXXX and determined that there were fraudulant charges and deleted off my XXXX report. XXXX  ( if they did a real investigation ) they would have received the same response to remove off the report. 3 ). XXXX department store. This account was NEVER paid late and again XXXX fixed it and put this account as accounts that are satisfactory and took it out of accounts that are potentially negative. Also my balances on my 2 XXXX  XXXX cards are incorrect I do not owe as much as what they are reporting. My balances are much lower. Also my XXXX 's card I do not owe the balance they are reporting. I have been trying to clear this and fix my credit report to show the truth and XXXX I feel is not doing a complete investigation. I have also been threathened they will not re-investigate the XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX unless I provide additional documentation. I should be able to dispute this as many times as I want as this is my creditworthiness and having this incorrect information is causing me a hardship. I can't even get to speak to a human to clear this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus continue to report inaccurate information, which a dispute letter has been sent certified receipt return. They continue to violate 15 USC 1681a ( 4 ) Consumer Right to Privacy, FDCPA 807 misleading False reporting. I have sent numerous of letters requesting method of validation and they continue to obscure the validation notice.
Product: Debt collection

First, I am a XXXX Veteran. While in the care of the XXXX XXXXXXXX XXXX in XXXX TN for XXXX XXXX, they required me to perform XXXX  on XXXX XXXX XXXX at XXXX XXXX in XXXX TN. The imaging was approved by the XXXX  XXXX XXXX XXXX for payment thru the XXXX. The XXXX XXXX would not have performed the test without prior authorization from the XXXX as I had several other tests performed there and was refused treatment because they did not have prior authorization. I would also add that this XXXX approved test was during the heightened time of the COVID pandemic, when businesses were struggling with employee staffing. Also during this time the XXXX was transitioning from XXXX to the XXXX XXXX XXXX to process their billing. When I received a medical bill from XXXX XXXX for {$390.00}, I contacted the the XXXX XXXXXXXX XXXX in XXXX to take care of the bill. The XXXX XXXXXXXX XXXX XXXX representative said they would contact XXXX XXXX to get it paid. 5 or 6months went by until I received a notice that the bill would be sent to collection. I immediately contacted the XXXX again and was placed on a conference call between the XXXX  representative and the Professional Credit Management agent. Again, the XXXX representative approved the bill for payment. However, It was not paid again because the XXXX  claimed that XXXX XXXX failed to submit the bill to the correct XXXX billing agency, then XXXX, and because the bill was now over six months old and that this is the XXXX  's internal policy. In addition, the XXXX  representative told me that XXXX XXXX would " write off '' the bill due to their error. This medical bill is the direct result of negligence on the part of XXXX XXXX, XXXX, XXXX, and the XXXX  for failure to work together, communicate, process, and close out a medical bill the XXXX originally approved to pay, and by no means failure on my part by my many attempts to get each agency involved to work together and handle this medical bill professionally. In this case, the consumer has been wrongfully held responsible and other agencies have neglected to function together on the behalf of the customer.
Product: Credit reporting or other personal consumer reports

The specific account in question is with XXXX XXXX, account number XXXX. My credit report inaccurately states that this account was " paid in full for less than full balance '' and includes the comment, " Completed investigation of FCRA dispute - consumer disagrees. '' I contacted XXXX XXXX, and we reached an agreement where I would pay a specified amount to formally close the account. Part of this agreement included XXXX XXXX 's commitment to remove the account from my credit report. However, despite fulfilling my end of the agreement, XXXX XXXX did not contact the credit bureaus to update or remove the account as promised even after contacting them severally. As a result, I initiated a dispute with Experian, and XXXX, to address the fact that I paid off the debt in full with XXXX XXXX as agreed and to request that the account be deleted from my credit report. 

Issues with the Dispute Resolution : Despite providing supporting documentation and a detailed explanation, Experian concluded the investigation adding negative comment. This outcome has left inaccurate and misleading information on my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ) to have only accurate and fair information reported. 

Requested Action : I request that your office investigate this matter thoroughly and ensure that both the credit bureaus and XXXX XXXX comply with FCRA regulations by : Conducting a comprehensive and fair investigation into my dispute. Removing or correcting the inaccurate information from my credit report. Ensuring that I am promptly notified of the results of any investigations and the actions taken. Please consider this letter a formal complaint. I kindly request that you keep me informed of any actions taken by your office. If you require any further documentation or information, I am more than willing to provide it. Thank you for your attention to this matter. I look forward to a prompt and fair resolution. Sincerely, XXXX XXXX
Product: Debt collection

XXXX reference this previous report that was closed. I have attached my report to FTC because I am a victim of Identity Theft and I am trying to have this charge off removed from my credit report immediately. I previously reported it to XXXX which was the collection agency I was told held the account now I'm being told its Aldridge so I am resubmitting this report. I did not authorize this credit card account and would like it removed. I'm being told that basically just because there were payments made towards the account it has to be mine which is not proof enough to pin this on me. I did not authorize this account to be opened in my name and I want it removed. I have been a victim of identity theft for years and its driving me crazy constantly fighting to clear my name.
Product: Mortgage

For over seven years, PennyMac has been paying our state property tax on XX/XX/XXXX. Starting XXXX PennyMac decided to pay our property tax on XX/XX/XXXX. 

They supposedly sent us a notice which I have not seen. We have paid our mortgage every month on time and taxes have been deducted to be paid to the state. 

I dont understand why a company would not pay our property tax the way they have always paid it. 

The real problem is our XXXX taxes were paid on XX/XX/XXXX not XX/XX/XXXX like they have done since we received the loan. We itemize on our tax return and therefore by PennyMac not remitting my tax payment in XX/XX/XXXX, I am missing out on over {$2000.00} worth of tax refund. 

I think this is wrong for a company to change they way things were set up when if does not help or benefit me or my family.
Product: Debt collection

I have sent a letter to dynamic recovery solutions twice to stop contacting me. 

I have spoken to the rep : XXXX XXXX who works for Dynamic Recovery Solutions and told him to stop calling me but they keep calling me. I have blocked the number and still continue to get multiple calls a day
Product: Payday loan, title loan, or personal loan

I have had a payday loan with Security Finance for last year NEVER LATE NEVER missed a payment, due 3rd each month. I have social security solo income. I had a large household unexpected issue come up before first I called Security Finance, told them unable to make payment this month get with them XXXX. They have called 3 times since asking if could get payment ( {$100.00} ) and almost demanding, saying company policy I drive in to discuss. I told them I notified and have 4 times now and nothing changes for me to " go in discuss!! Nothing different if I go in!! They are bullying and it is no way to do legitimate business!! They should NOT have right to BULLY people!! 

They are absolutely hateful!
Product: Vehicle loan or lease

I have a lease with GM Financial, and my leased ended XX/XX/XXXX, because of the COVID19 I extended the lease, after that extension I called to see what would be the procedure to return the vehicle and they advised me that the dealer was closed and if that was up to me to if I want to leave the car there unattended until business returns as usual, if not they will contact me to return the vehicle. I continued making payments to the vehicle as long as I had the vehicle. GM financial never called me, emailed or mailed me a letter, and came and repossessed the car. Now they Charged Off the account without contacting me at all, I am not sure what I am paying for with no final bill. This was a malpractice and the The Fair Credit Reporting Act explain that it should be fair when collecting and reporting. On XX/XX/XXXX I called GM financial and they said that the final bill has not been generated and it will be generated in few months. 

another issue was that apparently with no explanation GM financial deleted my online account and when I when to make a payment i had no account, I had to call to recreate the account and in order to make a payment and that payment was 30 day late.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act, Credit Acceptance has violated my rights under 15USc1681 section 602 states I have the right to privacy. 15 USC 1681.604a section2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor can not treat a payment on a credit card under an open end consumer plan as late for any purpose.
Product: Vehicle loan or lease

On XX/XX/XXXX, I was rear ended. The other driver 's insurance company ( XXXX ) totaled out my car. They then took over financial responsibility for my vehicle. On XX/XX/XXXX, I got on a conference call with an insurance rep at XXXX & at USAA. The XXXX rep said they would send a check to USAA for the remaining balance owed on my car and deposit the remaining amount into my account. On XX/XX/XXXX, I checked my USAA account & noticed my auto loan was still open. I contacted USAA and told them the loan should be closed out. They told me they had not yet received a check from XXXX. I contacted the XXXX rep who had be handling the claim. He confirmed the check had not been cashed. I called USAA, spoke to another rep, she confirmed they had not yet received the check and said the auto policy number needed to be on the check. I called the XXXX rep back and asked if he had included that number. He had not included that number. There was no effort made on USAA 's part to contact XXXX to let them know they needed the policy number, nor was there any effort made on XXXX 's part to find out why the check had not been cashed. The XXXX rep re-issued a check, including the policy number. However, because of the time laps, interest on the loan accrued. I explained to the XXXX rep that because of the time laps interest had accrued, but he made no effort to make his mistake right by contacting USAA to find out the corrected amount due. I have explained the situation to several different people at USAA, and have even spoken with people directly in XXXX XXXX 's office, asking them to either request a check from XXXX for the remaining balance owed of {$59.00} or to cancel the loan. XXXX took over financial responsibility of my vehicle, and it is due to XXXX 's and USAA 's negligence and inability to community that it took a month and a half for USAA to get a check from XXXX. As it is XXXX fault there is an outstanding balance, I am not responsible for the amount due.