23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, after 11 years of being held hostage by Navient in predatory private loans made to attend a for profit school, I was granted a full discharge of my private loans after approval of my school misconduct discharge application. However, Navient is not refunding the money they took in regard to these predatory loans. The mere fact that Navient was involved in providing these " predatory '' loans in special " deals '' with " for profit '' in the early to mid XXXX was absolutely criminal. Navient has been sued dozens of times for its predatory loan practices as well as it's unlawful collection practices. To then keep the money that students paid toward these predatory loans is also criminal. Navient owes me over {$16000.00} paid toward these " predatory '' loans and I would like to know why Navient feels they should be allowed to keep students money when they know what was done to harm students such as myself with these loans to attend for profit schools who ultimately, were found guilty of misconduct. It is the right thing to do to refund the money and would further close the book on the harm Navient has caused students both financially and emotionally.
Product: Checking or savings account

Trying to set up bill payment to pay for utilities and credit card balance. Every time I try to do that, the Ally bank website won't load and pulls up a blank page. I escalated over 3 calls and multiple chat sessions and no one is able to resolve the issue. I was told this is a 'known issue ' and they are looking into it. No one is following up or reaching out even though my bill is coming due.
Product: Mortgage

your company failed to provide the required notice of additional required documents within XXXX ( XXXX ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). 

We are happy to provide any requested additional documents to complete this client 's loan modification review. It is improper, however, for you to deny this application based on a determination that the application is incomplete. Please suspend foreclosure during this appeal in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).
Product: Checking or savings account

My Chime account was suspended because a transfer from XXXX account didnt go through when chime wanted it too. 

I called chime 5 times in total and was hung up on twice During those calls I was gave nothing but run arounds Chime continued to put stipulations in place as I did everything they asked me to do I was told to upload a bank statement and front and back of my Id which I did after doing that they put another stipulation in place saying they couldnt use my bank statement cause is from XXXX and XXXX and not XXXX and I told them that XXXX hasnt yet mailed me a bank statement for XXXX and I was told theres nothing they can do then
Product: Credit card or prepaid card

An XXXX store card was fraudulently opened in my name. I have attempted to address this with synchrony bank but I am still receiving bills for the card and collection attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute the accuracy and fairness of my credit report. Specifically, I am disputing the information regarding my XXXX XXXX XXXX account number XXXX. I have reviewed my credit report and noticed that XXXX XXXX XXXX has reported several late payments on my open-ended credit/credit card account. 
According to 15 USC 1666b and 15 USC 1681a ( 2 ) ( A ) ( 1 ), transactions and billing errors are not to be reported on a consumer report. It is important to note that reporting late payments on an open-ended credit account/credit card is illegal. In accordance with 15 USC 6802b, any such information should not be included in a consumer report. Therefore, I am requesting that these late payments be removed from my credit report. Furthermore, I am disputing the accuracy of other information reported by XXXX XXXX XXXX  The reporting of inaccurate information violates 15 USC 1681e ( b ), which requires that all information reported to credit bureaus be accurate and verifiable.

Therefore, I am requesting that XXXX XXXX XXXX verify the accuracy of all information they have reported to the credit bureaus. If any information is found to be inaccurate, I request that it be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act, I am entitled to a free copy of my credit report from each of the credit bureaus once per year. I have enclosed a copy of my credit report highlighting the inaccuracies and errors I have discovered. Please investigate this matter promptly and respond within 30 days. If you find that the information in question is inaccurate or can not be verified, please remove it from my credit report. 
Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Product: Checking or savings account

M & T Bank misidentified a charge as fraudulent activity and froze my account. When attempting to resolve the issue, customer service could not help me, and referred me to the fraud department, which is not answering phones. I have been trying to resolve this for over XXXX hours and most recently have been on hold for XXXX minutes ( and still waiting ).
Product: Credit card or prepaid card

Lost wallet, reported and closed card on   XXXX   XXXX   XXXX      Contacted Net spend due to amount being charged for replacing card {$10.00} Website states account can be closed and fee of {$5.00} would be charged ; check woul d be issued  XXXX  business days.   Account cancelled and check #  XXXX  processed   XXXX   XXXX   XXXX     Amount of my check : {$1500.00} Advised to wait  XXXX  business days  Time framed passed and I was advised to allow 5 extra business day for check to come.    Was told by supervisor named   XXXX   that if check was not received ; to call back and have check cancelled Check would then be cancelled and reissued in  XXXX  business days.   Called today   XXXX   XXXX   XXXX     and was told I would have to wait  XXXX  more days.   This situation has cause tremendous stress on my finances, me and my unborn child expected to arrive any day now. Please assist me on what to do.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I am filing a complaint for Fraud on my W2Go Nevada Unemployment Debit Card.. I have not lost or had my card stolen. The card mentioned is in my possession. I live in XXXX, Nevada and have not traveled to California for years. On XX/XX/XXXX I was in XXXX AZ for a XXXX XXXX Appointment. It was a day trip returning the same afternoon. That was the only day I was out of town for the month of XX/XX/2023. I live alone, no one has access to my safe, to my cards, my pin number or any authorized use of such. I was informed by W2Go customer service on XXXX that when I filed the fraud complaint on XX/XX/2023 that the card was suppose to be cancelled at that time and the customer service representative failed to do that. Otherwise we might not be talking about additional fraud on my card.
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX  XXXX. XXXX, IA XXXX XX/XX/XXXX This is to complain against the Coinbase URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of Coinbase to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : XXXX ) with Coinbase. 
To clear up the myriad of letters and correspondences I have hitherto sent to Coinbase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts objectively and comprehensively. 
It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. 

General Obligation : Commencing on or about XX/XX/XXXX, I fell victim to a multi-layered scam operation run by XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX To : XXXX @ XXXX XXXX XXXX, XXXX GA XXXX To : XXXX @ XXXX XXXX XXXX, XXXX TX XXXX To : Transunion @ XXXXXXXX XXXX XXXX XXXXXXXX PA XXXX Account # XXXX & XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX & XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft, The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Identity items resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank or creditor, any type of item, such as credit accounts, checking accounts, etc. 

Please block this information from my credit report, pursuant to section 605b of the FCRA, and send the required notifications to all furnishers of this information, especially Transunion, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Enclosed are the following : * A copy of my credit report you are reporting ( the fraudulent items are listed above ) * A copy of my identity Theft Report and proof of my identity * A copy of section 605b of the FCRA, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and away your reply. 

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

I am submitting this Complaint to you today to remind you regarding my former CFPB Complaint requesting the removal of the fraudulent items off of my Credit File. I have read that under the Fair Credit Reporting Act section 605b, as the Credit Reporting Agencies, you are required by law to remove any accounts and information from my Credit File as soon as possible. I have sent you a dispute letter last XX/XX/XXXX with complete attachments of my personal identifying documents as well as a copy of the FTC I received from the FTC. Please comply wit hthe Fair Credit Reporting Act section 605b, and have the following items removed as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$95.00}. If you believe that the disputed items belong under my name, I request you to please send me copies of documents bearing my signature or any documents to support your claim that the disputed items are mine. In the absence of these documents, I would greatly appreciate you immediately removing the disputed items off of my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 both times I sent them a copy of my drivers license and social security card to update my name to my current name XXXX XXXX XXXX. Every time I send them something they continue to change my name back to XXXX XXXX XXXX. I have sent this to them 3 times ( 1 ) last year. I called the other day and spoke to someone named XXXX he claimed they had no such record.
Product: Payday loan, title loan, or personal loan

I have not been able to use their system which we aggreed upon. The website or the app. Neither accepts my paymebts via debit card. This costs me greatly in gas to drive to the store. To get harassed about paying off a debt on time while getting asked if i want to borrow more money. But when i tried to make the payment today ( 2days early ) not unusual. But today i tried to make a call over the phone. After making the original payment due by XX/XX/XXXX of XXXX. XXXX. There was still and outstanding balance of {$20.00} and change due by XX/XX/XXXX. So i paid that. Then there was still {$8.00}. At this point i realized my monthly payments were being misrepresented and the fees theyre charging now arent represented at all. I dont have access to the documentation they say is provided in my account on there website. Nor is there any transaction history. And in the end she claimed she didnt know why it was doing that but she is not responsible for how the system charges. And how it doesnt recognize an early payment even tho it has for over a year now
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts the below accounts have violated my rights. 

Account : XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have 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. 

I would like these accounts removed. 

Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that i didnt authorize and i am so dissapointed because my information suppose to be protected at all times.. i have been contacting the cra 's quit sometimes now in no one is responding to my matter at all.. however i can proceed with court matters if this isnt resolved because the cra 's has already violated my rights 1. ignoring 2. running my credit when i didnt authorize 3. inaccuracies 4. motion distress.. 

i am requesting under section 15. US 1681 PER 609 PER 604 that these inquires remove that i didnt authorize nor given permission they have 24-72 hours to fix
Product: Debt collection

At XXXX on XXXX/XXXX/XXXX I was contacted by phone with a XXXX from the Oxford law llc. She wanted to confirm my name, address and phone also the last XXXX digits of my ssn. After that she informed me that a law suit has been issued against me due to a debit owed to XXXX XXXX in the early XXXX. I once owed money to XXXX XXXX but it was paid off when I refinanced my house in XXXX. Anyhow this debit is past the statue of limitations and I 'm pretty sure this whole thing is a scam.
Product: Credit reporting or other personal consumer reports

The information on my credit report is not correct. Old information keeps reappearing or never goes away. 
Addresses that dont belong to me appear on my report. 
Delinquent accounts that do not belong to me appear on my report. 
Errors with invalid accounts showing up on my report. 
Incorrect phone number on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, yes, I had my student loans with XXXX. Originally, and now there was XXXX. Or however, you spell that, and they are on my credit report. XXXX XXXX XXXX years with XXXX, they've been in my credit. Since XXXX XXXX, which is over 10 years, they were sent to another creditor, not the original lender. I actually am on XXXX. I sent over a request to be approved for XXXX  XXXX. 
Approval from my student loans to be removed from my credit. I sent the doctor 's note over from my physician. As well as the information from social security they denied. I'm still on XXXX. This is past the 3 years I had an income repayment of 0. Now I got ta income repayment. That I have to pay {$360.00} a month. When I'm below income XXXX XXXX. There is over {$65000.00} on my credit report. That is preventing me from getting a mortgage. Any credit any type of anything above water? I need your help to get this taken care of ASAP.
Product: Checking or savings account

The last few months o have been being charged the monthly {$10.00} service fee when I do plenty of transactions during each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, on XX/XX/XXXX I made a payment for my XX/XX/2018 statement which was due on XX/XX/XXXX as well as an early payment for my XX/XX/2018 Statement. XXXX XXXX did not process my payment for some reason. Therefore, neither payment cleared. I did not find out about XXXX XXXX 's error until XX/XX/XXXX. I immediately called XXXX XXXX and made the payment. I asked the gentleman I spoke with on the phone if there would be any issues from this he said " no you should be fine. '' I recently looked at my credit report and XXXX XXXX is reporting me 30 days late in XX/XX/2018. 

The person on the phone when I called said my credit would not be impacted as the error with processing the payment was on their end and that I was not more than 30 days late pass due.
Product: Student loan

Said theyd implement 0 % interest on loans backdated to XX/XX/XXXX. It is XX/XX/XXXX and my loans are still accruing interest. I emailed them this week, havent heard anything. Many people have asked on their XXXX page about it but I still havent found information about when they will follow through on applying the 0 % interest. 

Both my former servicer and my friends servicer have already implemented 0 % so I dont see why FEDLOAN has not. Please make them implement this. Thank you for your help.
Product: Credit reporting

On XXXX XXXX, 2015 I discovered an error on my credit report an address does not belong to me, I 'd disputed the item in question via online. Equifax required that i need to send a copy of the following documents : Driver 's License, SS #, Utility Bill, so I did send the requested documents. 30 days later The item in question has been deleted, on XX/XX/XXXX I check my credit again via XXXX XXXX, again the address XXXX XXXX XXXX , XXXX GA is reinserted on my credit file information. I contacted Equifax via the telephone my call was forwarded to the call center, .the agent assisted me in disputing the item in question for the second time. Finally on XX/XX/XXXX I received a letter from Equifax confirmation # XXXX that the address that does n't belong to me has been deleted ( see attached ). On XX/XX/XXXX I check my credit.again via XXXX XXXX as always, sure enough here we go again the address that does n't belong to me is reinserted for the third times! I never live on this address for some reason Equifax insisted placing it back on my credit file information. Someone is providing Equifax with this incorrect address I repeatedly told them about the item in question. In addition there 's a consumer statement on my file that i did n't write or requested to add.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX, TX. XXXX XXXX : XXXX XXXX Dear XXXX XXXX : This is my final attempt to contact you regarding my request for your company XXXX XXXX to remove the XXXX air conditioning unit and any and all other components installed in my home on XX/XX/XXXX-XXXX, 2016. I have tried to resolve this matter with you ( XXXX XXXX ) and XXXX XXXX XXXX since XXXX XXXX, 2016.  Ive contacted XXXX XXXX XXXX Credit Card to dispute the charges of {$13000.00} and to conduct an investigation in to the manner in which this account was opened. I have made several attempts to resolve this mater amicably. XXXX XXXX has not made any attempts to contact me regarding removal of this unit. Your company called and offered me {$500.00} weeks ago and last week XXXX called asking for my email address to send me some sort of warranty information. Each time I requested the removal of the unit and each time I was told that they would have you call me back. To date I 've yet to hear from you. Therefore youve left me with only two ( 2 ) options Ive listed below 1. I could have a XXXX Authorized Specialist remove the above referenced unit and deliver it to your office at your expense. 2. I could have a XXXX Authorized Specialist disassemble the above referenced unit and store it in my garageand charge XXXX XXXX a storage fee. 3. I want you to realize that you have removed to working units from my property when I ask you to leave them. You have lied to me, stating the EPA requires you to remove units or be fined XXXX dollars. I have verified this EPA. and it was found that you lied. Please contact me within five ( 5 ) days from receipt of this letter ( no later than XX/XX/2016 ), so that we can settle this matter. If no response by XXXX XXXX, XXXX, I have no choice but to pursue the above referenced options. Your prompt attention regarding this matter is greatly appreciated. You XXXX only contact me via email at XXXXXXXXXXXX. Regards, XXXX XXXX
Product: Debt collection

My mother was in a XXXX XXXX  in 2019 the XXXX XXXX  forced me to sign as responsible party which is illegal. She was denied XXXX I tried to work with them and they turned me over to express recovery services who only told me to pay up! No voicemails left no communication and never validated the debt. Now they are suing me for my mothers bill which legally I am not responsible for!
Product: Mortgage

I am currently in the process of selling my home and I received a previous payoff amount of $ XXXX which was reduced thanks to your help! However, I received a payoff quote from the mortgage title company which stated that I still have a payoff amount of $ XXXX even though almost $ XXXX was forgiven. I contacted my relationship manager with Select Portfolio on XX/XX/2022 at about XXXX eastern time and I was told about the breakdown but there was almost $ XXXX in fees and other services included and when I inquired about the other fees I did not receive a definitive answer. I was told the fees came from my bankruptcy attorney which makes no sense because he was confused about the fees as well. There is also a $ XXXX XXXX on the property from Select Portfolio that was not filed in the bankruptcy but they are now seeking payment for, I assumed the $ XXXX was 20 % of the mortgage and included with the $ XXXX payoff balance from before. Select Portfolio Servicing is making it difficult for me to sell my home and time is running out for me to sell as the closing date continues to change and I'm afraid the buyer will walk away if we continue to delay. My question for Select Portfolio is where is the additional $ XXXX in fees and other services are coming from and why was the $ XXXX XXXX not filed in the XXXX XXXX so that it could have been paid off. I assume this was included in the $ XXXX mortgage payoff and this company is attempting to double dip. Thank you for your assistance!