23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I recently contacted Navient my loan servicer to get 2 charges of {$110.00} removed. Last month on XX/XX/2022 they set up 6 month plan with me to pay the lowest amount which is around {$30.00} for 6 months. I had to pay a very small fee to do this. After this contract was completed last month, they charged me {$110.00} for XXXX and XXXX which is not what I consented to. The payments Navient does for the smaller amount in the contract is through autopay but the contract clearly states that the amount to be withdrawn is the amount in the contract not any other amount. 

Navient sent me a message this week saying that they can reverse the {$110.00} but doing so will be reported to credit bureaus as delinquent status for my loan. They also said the amount withdrawn on XX/XX/2022 was done by myself but the account is on autopay which is required for the contract. I did not authorize Navient to charge me 2 separate times of {$110.00} and they are trying to blame me for having auto pay on as if them making extra payments outside contract while Im on autopay is consensual which it is not. Autopay doesn't mean Navient can take out what and when they want it is designated for the contract amount once a month for 6 months and nothing more. 

Navient does not have the right to abuse autopay and tell me that I will be reported for delinquency to the credit bureaus when I am making payments via contract to them for 6 months. 

In the documents I will submit to you I will show the messages I got as well as the payments that show only 1 reversal instead of 2. 

So Navient is taking advantage of the autopay while trying to ruin my credit and they won't refund both of the XXXX illegal charges from their unauthorized transactions.
Product: Money transfer, virtual currency, or money service

Hello : On Saturday, XX/XX/XXXX : My son, XXXX was trying to open an account with Cash App dba Square under his account name " XXXX XXXX XXXX '' & was told to test his Account by sending Money to someone which was me & for me to send the money right back to him. 

Instead of the Money coming " directly back to him off of " my own '' Cash App Debit Card, they withdrew the Money out of my Checking/Debit Card Account & the transactions failed several times which caused my Checking Account to be overdrawn. 

After further discussion & the Cash App Rep still trying to figure out the problem, I was told that they would go ahead & put the Money " right back '' in my account but they never did. Instead, they sent me a Text Message saying that my Money would be deposited back into my Checking/Debit Card Account by Wednesday, XX/XX/XXXX. They phoned me several times again & I told them I wanted my Money returned to me ASAP! 

On Thursday, XX/XX/XXXX, Cash App dba Square, tried to withdrawl the {$340.00} again. I then contacted my Bank & they said they would file a Fraud Claim & do an Investigation. 

As of today, Friday, XX/XX/XXXX, I still have not received my {$340.00} back. I reached back out to Cash App dba Square the same day asking them why I still have not received my Money as they originally promised on Saturday, XX/XX/XXXX. They responded back to me via e-mail saying that it takes several days for them to review the situation & in some cases they may not Refund the Money.

I did not authorize them to take any Money out of my Checking/Debit Card Account. 

Within a few days, my son did receive his Money back while I am still waiting. 

I have already filed a Complaint with my Bank & the XXXX
Product: Mortgage

First of all, we had a loan with another company that sold the loan to LoanCare. 
They did that on XX/XX/XXXX. They tell me after requesting them to relinquish the escrow that with LoanCare loan # XXXX, you have to have your loan with them for 2 years before they could do that. I think that is their own rules. 
We have paid for many homes over 29 years of marriage and we have paid our own taxes and insurance on all but of our very first home when we were not as well off as we are now. 
The reason I wanted them to stop the escrow account is that they were late paying our taxes and we are never late on payment anywhere and we do everything to keep our credit score over 800. 
I don't need a Loan servicer messing that up. 
Anyway, I called 2 times this year and both calls were ignored, no call backs, no letters, no explanation and both of those times were put on extended holds. 
Today, XX/XX/XXXX I called again and was put on hold to talk to a " manager '', waited for 30 minutes. Well now they tell me that they can't just relinquish their requirements to pay out the taxes and insurance. Also, this has to be investigated and researched and I must call back on the 16th for an answer, and they will not call me back about this. Of which, I will have to go through the same 30 minute wait time. 
I am tired of their " very poor service and runaround. '' What can I do? I don't have written documents, they were sent in on their email contact which I don't get a copy of. 
Thanks XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted the COMENITY CAPITAL BANK for XXXX customer service number and was disconnected 3 times during transfers. I purchased a XXXX on XX/XX/2020. I was told by the credit card representative at the XXXX dealership that I could pay a down payment using a this credit card. I was approved for {$4000.00} limit. I was told by the credit card representative to set up equal payments using auto payment for 6 months. I did this with 6 payments each at {$660.00}. I set up auto pay for the due date which was the 4th of each month and was established by Comenity bank, not me, each month to pay off the amount in 6  months. My balance reached XXXX on XX/XX/2020. On XX/XX/XXXX, I noticed i was charged {$380.00} as a financing charge. I was shocked. I contacted Comenity and found out for the first time that they set my 6 month no fees promotion to end on XX/XX/XXXX- 16 days prior to the Comenity established payment due date.

I have been severely effected by Covid19 and have lost my income. My auto payment due date was 16 days past the promotional date ending. I didnt get my mail during the time I was  sick, and wasnt aware that the promotion ended XX/XX/XXXX. This date was not made clear or given to me on the date I financed. I only learned this after being charged this enormous finance on a XXXX balance. Now with a XXXX  balance, I am being charged interest on a paid off {$4000.00}. It feels like this is usery and racketeering. Its wrong that my due date did not coincide with the end of the promotion. This is a trick and its horrible they say they will help during covid but they actually will not. Comenity bank for XXXX has rained devastation on our family during the pandemic. I needed Covid19 relief and was told my comenity that we did not qualify.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023 I allowed Solo Funds the ability to verify my personal XXXX  with XXXX XXXX to transfer funds to/from my XXXX  with my authorization. On or around XX/XX/XXXX, Solo made 2 unauthorized micro-transfers ( less than {$0.00} ) into my XXXX  which violates Reg E. I have emails to Solo trying to rectify this issue but Solo has pretended to not receive any of my emails. They refuse to confirm why they transferred funds into my XXXX  without my authorization and identify exactly what happened. I am concerned that my information has been compromised by Solo and that Solo is utilizing my XXXX  without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX  XXXX Balance : {$26000.00} XXXX  XXXX Balance : {$23000.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$26000.00} XXXX  XXXX Balance : {$23000.00} XXXX  XXXX Balance : {$26000.00} XXXX  XXXX Balance : {$23000.00}
Product: Vehicle loan or lease

My name is XXXX XXXX, I see a lot of inquiries on my XXXX XXXX but I dont recognize and I never authorized, please I want you delete all inquiries please. Thank you so much for your help!!
Product: Debt collection

A company by the name of " US Asset Management XXXX  '' has been attempting to collect a debt from me that is not mine. They are saying that I owe them a balance of {$290.00} but are telling me that I can settle the amount by paying them {$180.00}. The original creditor was " XXXX ''. I have never done business with either of these creditors. They need to delete this information off of my report immediately. I have already spoken with a representative by the name of " XXXX '' and " XXXX '' at " US Asset Management XXXX  ''. This creditor is on my XXXX XXXX  '' credit report.
Product: Prepaid card

Bought a Mastercard Vanilla giftcard which was compromised. Someone had opened the packaging, photocopied the barcode to activate and then sealed it back up with superglue to defraud people buying giftcards. Whoever did that put another giftcard in there that was the wrong denomination. The barcode on the back matches the packging numbers because it is a photocopy of the card on card stock and even feels like a real barcode.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information XX/XX/2022 by sending off a letter to XXXX, XXXX and Transunion. Some reports were removed and each Reporting Agency has incorrect and inconsistent information. Transunion has open accounts that are also collections. My addresses are wrong and XXXX and XXXX are not reporting open and closed accounts reported on Transunion. XXXX has incorrect addresses and work place. They reported XXXX as an open account and a collections. There is an open account with no Account name or contact information. Accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX are not reported as open accounts on other reports. XXXX has the wrong addresses, open, closed and collections as well. I also sent a cease and desist letter last month to the collection accounts that included of 15 U.S. Code 1692c and 15 U.S.C. 1692d to cease all communication with myself or any person through any medium, that includes XXXX, XXXX and Transunion. There should be no further updates on any accounts of collections and the collections need to be removed completely. According to the Fair Credit Reporting Act 12 USC 1681, I have a right to privacy. According to the 15 USC 6802, no financial institution can share my information to third party persons without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX XXXX XXXX  ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for ( XXXX  XXXX XXXX  ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. 

Equifax must remove all information reporting from and relating to ( XXXX  XXXX XXXX  ) including third party debt collection accounts associated with ( XXXX  XXXX XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Account # XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX Balance {$6200.00} XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX  XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX Balance {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX Balance {$6200.00}
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding the unjust closure of my credit card account in retaliation for my reporting of their fraudulent practices. Recently, I discovered discrepancies in Chases handling of dispute transactions, where they were unlawfully charging both merchants and consumers for the same disputed amount. 

Upon bringing this matter to light and reporting it to appropriate authorities, I was shocked to find that Chase responded by abruptly closing my credit card account without any valid explanation or prior warning. This action not only affects my financial stability but also demonstrates Chase Banks disregard for accountability and transparency. 

As a responsible consumer, I believe it is my duty to report such unethical behavior to prevent further exploitation of both merchants and customers. However, Chase Banks retaliatory measures against me undermine the integrity of the dispute resolution process and intimidate individuals from speaking out against financial misconduct. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and hold Chase Bank accountable for its retaliatory actions. Additionally, I request that my credit card account be reinstated immediately, along with appropriate compensation for the inconvenience and damages caused by Chases unjust actions. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit reports through my XXXX XXXX card which provides me my credit score, and XXXX XXXX. 

I was notified that a new account from APPLE CARD - GS BANK USA via email from XXXX XXXX on XX/XX/XXXX. I didn't recognize the account, an initially thought it could be related to my new XXXX XXXX account which I opened just a couple of weeks earlier and had yet to appear on my XXXX report. 

However upon looking up Apple Card - GS Bank on XXXX, I found that it was most likely a credit card from the company Apple. I didn't understand what this was, I do not do business with Apple or own any of their products. It was also a very low limit card ( {$1000.00} ) which didn't make sense to me because I have over {$10000.00} in credit limit through XXXX XXXX and XXXX. 

I filed a dispute with XXXX and later with XXXX regarding this account, and put a fraud hold on my credit score to stop new accounts from being opened. I don't have an identity theft service like XXXX so I don't know what to do other than dispute the information with the credit reporting agencies and hope new accounts aren't opened.
Product: Credit reporting or other personal consumer reports

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.

( 5 ) A computation error to other similar accounting error on a creditor 's statement.

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payment on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

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: Checking or savings account

Capital One charged {$700.00} to my personal checking account of XXXX  XXXX XXXX on XX/XX/2022 and this transaction was not authorized. Ive never opened account or debit/credit card or had a business with Capital One at all. Especially they charge {$700.00} to my personal checking account directly and my name was remarked on the transaction details so I speculate my ID has been illegally used on this transaction. I made a call to Capital One customer center to fix this issue but they rejected to help fixing issue because Im not their customer.
Product: Checking or savings account

My wife and I recently opened a Chase checking account using my kids birthday money so that we could fund two special debit cards they offer for children. After relatively little activity and not much either being deposited or withdrawn from the account I received a letter from Chase stating that after a periodic review they have decided to close the accounts, including my children 's two debit cards. They can not provide any reason whatsoever to why they decided to do this. I can't help but feel that they make it seem as if we did something wrong or shady, which makes it all the more frustrating because there is no way we could defend ourselves. It actually feels very much like discrimination.
Product: Credit card or prepaid card

Care Credit did not resolved my complaint about unauthorized charges on my account : 1 ) Unauthorized and unacceptable fees charged to my card by Care Credit Affiliate, " XXXX XXXX  '' ever since I agreed with the dentist to get a 12 months free interest with this company.

2 ) Unauthorized and unacceptable charges made on my accounts on three occasions, XX/XX/XXXX amount of {$450.00} was Charged by XXXX XXXX XXXX  which was not mine and I never authorized or received a service from the XXXX..

XX/XX/XXXX amount of {$1200.00} was charged by XXXX XXXX XXXX XXXX which was not mine and I never authorized or accepted any charges and in fact I never even met XXXX XXXX XXXX  
XX/XX/XXXX amount {$1000.00} was charged by XXXX XXXX XXXX which was never authorized or accepted by me and I never received any services. All these charges have been disputed for almost a year and many phone calls and letters to Care Credit have not resulted a fair outcome. Furthermore I have been charged a late fee charge every month because I am disputing these charges and fees and I don't believe I should pay bills which are not mine.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about how Zelle handles disputes, especially after the recent lawsuit by the Consumer Financial Protection Bureau ( CFPB ) that points out serious problems with the service. Despite using Zelle many times and reporting issues, my bank and Zelle did not properly investigate my claims. They told me that recovering lost money was impossible and that tracking transactions wasnt an option. According to the CFPB, Zelle has not done enough to protect users and has allowed repeat scammers to take advantage of the system, leaving customers at risk. This lack of responsibility and transparency is very troubling and raises concerns about user safety.
Product: Student loan

I originally obtained my student loan through XXXX XXXX and was transferred to Navient. I consolidated my loans and began paying on an Income Based Repayment loan ( to XXXX XXXX ) in order to eventually take advantage of the public service loan forgiveness program. I specifically asked on numerous occasions if my IBR payments qualified for the PSLFP and was told yes. In fairness, I began paying and asking these questions at the very beginning of the announcement of this new possibility for loan forgiveness. I recognize in the beginning that they may have not understood exactly how this program would work. But for the past three or so years I have been making payments on a loan that I thought would qualify towards the PSLF programs required number of payments. I was told by a co-worker randomly that the only payments that count towards the PSLFP are those that are DL loans, not other loans, even those that are being payed on an IBR would count. I immediately began researching that these loans, while consolidated as I was directed to do, were not actually DL ( direct loans ) meaning they in fact did not count towards my 10 year repayment requirement. When I called the federal loan servicing department at XXXX they confirmed the fact that my prior IBR payments did not count and immediately consolidated my loans into a DL that would count, paying off my Navient loans. Navient when called stated they had never told me this, and unfortunately I do not have proof of the fact that I was given this false information. Additionally, when discussing the matter that the prior payment did not count with the federal loan servicing department at fedloan.gov, I was told they had heard numerous stories related to this but had no fix to the past payment issue, so I believe this is a widespread problem and many others are likely currently making payments that they believe count towards different loan forgiveness programs, though they likely do not. I have already made a complaint whit the BBB to no affect. Navient did not provide a response other than denial.
Product: Credit reporting or other personal consumer reports

The account is not my account the account is inaccurate, the account is open under fraud. All checking accounts that's listed under my social security number is fraudulent. XXXX XXXX, chase, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of Identity theft. Please assist in helping removing away from my name. These are not my account. I never had knowledge of this until now
Product: Credit reporting or other personal consumer reports

I receive two hard inquiries why Im at work from XXXX XXXX in XXXX
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  : # 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 information is inaccurate.