23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out a loan with  XXXX   XXXX  ( now Navient ) in     XXXX   for {$10000.00} for  XXXX   XXXX   XXXX  A  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  the years I have had endless fits with them. I 've gone through unemployment and low income periods and they 've never worked with me other than putting me on a forbearance which I now know has done more harm than good. I 've been hung up on numerous times over the years. In the beginning I paid them $   XXXX  , but the past  XXXX  years I 've paid them $  XXXX . Out of that {$200.00}, {$130.00} goes to interest  (  12.1 % ) I 've talked to them about getting in lowered and nothing gets resolved. I 've drained my savings accounts just to try to pay this back and I feel like I 'm not getting anywhere. After   XXXX   years, my remaining balance is {$140000.00}. Please help.
Product: Credit card or prepaid card

I purchased a flight to XXXX scheduled for the end of XXXX (XX/XX/XXXX ) from XXXX for {$370.00}. The airline cancelled the flight in response to the Covid-19 pandemic. Per the airlines website, they indicated that refunds were available, and I should contact the travel agent I booked with in order to receive my refund. I called the merchant, XXXX, to request a refund. XXXX does not provide a toll free number for support, and so I was forced to make an 87 minute international call. I was on hold for more than an hour before finally speaking to a representative, who informed me that I would receive a refund within 2-8 weeks. 

I provided Capitol One with my initial receipt, as well as cancellation emails from both the airline and the travel agent. I included the relevant section of the carriers website indicating that I was entitled to a full refund. I even provided them a copy of my phone bill showing the 87 minute international charge. They have however refused to return my money.
Product: Credit reporting or other personal consumer reports

The following inquires i have been disputing for months now i am demanding removal you guys have knew my identity was stolen. I reported to you my information was stolen, remove these inquires immediately.
Product: Mortgage

This Mortgage company raised my mortgage XXXX When asked why they stated because my taxes increased as well as my homeowners insurance. Which both are correct. They then directed us to lower our homeowners insurance and this will get our payments back down, so we did just that only to receive a XXXX decrease. When asked how did they come up with the outcome to raise our mortgage from XXXX to XXXX they cant give a definite answer. When sked to speak to the person that perfume the analysis they stated that they don't take calls. I am a veteran and I find it extremely disheartening to have fought for my country to only end up being literally robbed of my hard earned money.
Product: Debt collection

On no less than XXXX occasions, I was told by XXXX that this debt was resolved. They billed me for pest control on a contract I canceled and for a property that sold in XXXX 2015. They also violated the XXXX, continuing to call my mobile after I repeatedly asked them to stop. 

After the last conversation when XXXX said the debt was not mine, and the balance was zero, I heard nothing for several months. 

I then received a collection letter from NCI demanding {$96.00}. Is that XXXX does? Ignore customers, tell them their debts are resolved and then forward them to an unsuspecting debt collector who is unaware of XXXX internal control issues and disregard for honoring their commitments?
Product: Checking or savings account

On XX/XX/XXXX there were XXXX fraudulent ACH transactions from my Chase savings account for a total amount of {$14000.00}. I did not receive any notifications from Chase about these events so I noticed it only a few weeks later. On XX/XX/XXXX I filed the claim stating that I have nothing to do with the business that pulled my money from my savings account and I never authorized these transactions. On XX/XX/XXXX Chase mysavingsaccount was credited with the full amount. On XX/XX/XXXX the decisionwas reversed and my savings account was debited with {$14000.00}. Chase unilaterally decided that I cooperated with the criminals and did not return my money. I spoke to the Claim department, and the customer service representatives XXXX times for XXXX hours total. Chase refused to explain why the decision was to not to give me my money back. Every conversation with Chase resulted in their recommendation to call the company that pulled my money from my savings account and ask them to return it. Case failed to perform it's part of our contract and recommended me to call the thief as a solution! I am devastated. I can't sleep, can't focus, can't work, I cry all the time. How after 18 years of being a Chase customer I was betrayed like that? As a measure to prevent further fraudulent activity Chase closed my old savings account and opened a new one on XX/XX/XXXX. Now all statements, letters, documents including the claim that I filled up are not available for me to view and print out as the old savings account disappeared from my Chase online profile. Chase refused to provide copies of any documents except transaction history that shows fraudulent ACH transactions.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that COLLECTION CONSULTANTS # XXXX, # XXXX, # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from COLLECTION CONSULTANTS but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX to release my medical information to a third party. My request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Debt collection

Copay was paid to the hospital. In the amount of {$90.00}. Paragon Revenue Services called repeatedly wanting money. I finally paid the {$90.00} again, to Paragon Revenue Services. To stop the harassing calls. I then contacted XXXX XXXX and they told me I had a XXXX balance. And they have no record of sending anything on me to a collection agency. PRS said they were sending paper bills to an address I had not lived at in two and a half years. My information is correct with XXXX. Please make these people stop stealing money from patients. And reporting them to credit bureaus when nothing was owed to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

A number of major accounts paid XXXX balance which do NOT REFLECT ON OUR CREDIT FILES. THAT IS MINE AND MY WIFE 's. Some of the lenders do not report for 30, 60 or more days. Meanwhile our credit score does NOT REFLECT the correct debt to income,, or paid status on negatives and current loans... paid! According to XXXX my score XXXX although other lenders report 30, to 50 points lower. The entire operation in my opinion a scam.
Product: Debt collection

Third party not involved, On XX/XX/2021 I received a letter in the mail from Nguyen| Ballato Law Firm stating that I owe an alleged debt of {$77.00} plus attorney fees of {$25.00} totaling to {$100.00}. I sent out a letter requesting that Nguyen|Ballato provide me with documents stating that I owe this alleged debt, who gave Nguyen the right to have my information and collect on this alleged debt etc etc. 

My Consumer rights and my Rights to Privacy have been violated.
Product: Checking or savings account

Bank of America allowed some thief to transfer all my funds out of my account with a 3rd party checking account that doesn't have my name on it. I filed a police report and would like you guys to work hand and hand with law enforcement to get my funds back please.
Product: Debt collection

I received a notice from Continental Credit Control stating that I owed money for medical services. I promptly wrote back stating that I denied this debt, and asked them to provide me billing statements, when they obtained this debt, an itemized statement, did they bill my insurance, etc. I wrote to them twice. I did not receive the information I asked for. Instead I only received something that looks like billing codes from the doctor 's office. I then received a notice from Continental Credit Control that they were going to report this debt on my credit report. I think they have a duty to provide me with the requested information before they can take further action.
Product: Debt collection

This company has been rude and disrespectful upon measures by making threats, reporting false information to my credit report which discriminates my future and relationships with lenders. They violated my rights and couldnt provide my signature or a copy of my photo id.
Product: Prepaid card

Good evening I have tried using my virtual AMEX gift card at multiple merchants online and most have accepted the card as a payment method, but could not complete my purchase. The balance is slowly drained from constant pre-authorization charges after linking. I have spoken on the phone-line and even participated in multiple forum threads to find an acceptable merchant, but there has been no luck. At this point, I am just paying XXXX cents every time to test whether the card would link to a merchant or not. 

This has been a frustrating and unforgiving experience for the constant inconveniences. I would like the rest of the funds to be mailed as a check to me, and I will not be touching any of the funds anymore. 

Gift Card # : XXXX XXXX XXXX Exp : XX/XX/year>XXXX XXXX : XXXX XXXX XXXX : {$49.00}
Product: Checking or savings account

I closed out my checking account and credit card accounts in XX/XX/2022 with Capital One. Received confirmation closure letter and check for small balance and that should be the end of story. But its just not. I open a new checking account with XXXX. No problems, no issues, XXXX is holding up their end of the bargain. But, NOT Capital One. I log into my XXXX checking account, and on Monday, XX/XX/2022 at XXXX theres a debit payment for {$200.00} withdrawn from my bank account by Capital One. The reference code is : XXXX XXXX. I already know Capital Ones policies on online payments. There prospectus clearly explains that any funds going out of your account electronically must be going into an account with the exact vesting. If I do not bank with Capital One, then they committed fraud against me, and withdrew {$200.00} out of my XXXX checking account without my knowledge or permission. That {$200.00} is to pay my electric bill due today, XX/XX/2022. I contacted Capital One, and not to my surprise, I got what I expected from their very untrained call center agent ; Nothing. 
I am requesting that the {$200.00} be put back into my XXXX checking account immediately. Thats called : Theft By Taking, its a criminal offense. And, Im filing a police report as well. I have had the worst problems with Capital One, with them continually mismanaging my bank accounts. I already know they will send me a form letter signed with someone by the name : XXXX. Its a cowardly way to operate a financial institution.
Product: Checking or savings account

These charges are in regards to a US bank business checking account. On XX/XX/year>, I was charged {$57.00} and on XX/XX/year> I was charged {$25.00}. Both of these charges were for a payment processing to reader that I never ordered nor received. I contacted customer service at US Bank and was told that the charges would be reversed due to the error. I was told that it would be reversed within 3 to 5 business days. However it has been several months and the fees have never been returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT : I have been reviewing my credit report from the XXXX credit bureaus ( enclosed herein ), and which is dated XX/XX/XXXX. I have noticed inaccuracies reported on my XXXX, Experian, and XXXX consumer reports regarding XXXXXXXX XXXX. I am not working with a credit repair company ; I've downloaded this information on my own computer using my own information and I have enclosed my identification documents. Allegedly, my disputes with XXXXXXXX XXXX have been " Verified as Accurate ''. XXXXXXXX XXXX has also sent me information prior that is very different from what the XXXX bureaus are reporting and I have submitted to the CRAs. Now, an example of this inaccuracy are as follows and enclosed : " The Date Last Reported '' along with your reported payment history and delinquencies, are inconsistent. XX/XX/XXXX, XXXX reports 30 days past due, while Experian and XXXX are reporting OK ; XX/XX/XXXX, XXXX reports 60 days past due while Experian and XXXX are reporting 30 days past due ; XX/XX/XXXX, XXXX reports OK while Experian and XXXX are reporting 60 days past due ; XX/XX/XXXX XXXX is reporting 30 days past due, while Experian and XXXX are reporting OK ; XX/XX/XXXX XXXX is reporting 60 days past due and Experian and XXXX are reporting 30 days past due ; XX/XX/XXXX XXXX is reporting 90 days past due, and Experian and XXXX are reporting 60 days past due. This account was closed in XX/XX/XXXX, so how is XXXX still reporting a payment history until XX/XX/XXXX ; and XXXX is not reporting ANY HISTORY for XX/XX/XXXX when the final payment was received by XXXXXXXX XXXX?. Reporting of consumer information for an account should be 100 % accurate per the FCRA laws ; and XXXX, as well as Experian and XXXX are inconsistent and not following these laws.
Product: Student loan

I'm concerned with my employment certification for Public Service Loan Forgiveness ( PSLF ) and eligibility for the XXXX limited waiver. I've spoken to representatives at least 5 different occasions including phone calls and chat options. Each time they've said we have received your new employment certification and it will take up to 90 days for review. After the 90 days passed in XXXX, I noticed on the Mohela website that on XX/XX/2022 they denied my new submission stating it was a duplicate. Not once during those calls with representatives did they say that they had already denied it. I called back in XXXX asking why it was denied when it was clearly not a duplicate application. The lady apologized saying that she would resubmit for processing and again it will take up to 90 days. This will be the 3rd time I've been told another 90 days even though they made the mistake twice now.
Product: Credit reporting or other personal consumer reports

15 USC 1681 refers to the Fair Credit Reporting Act ( FCRA ), a federal law enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It governs how consumer reporting agencies collect, use, and disseminate consumer credit information. 11
Product: Credit card

Firstly, why did XXXX drop my credit score over XXXX points when I applied for this Capital One card? I would like to request an investigation into XXXX, XXXX, and XXXX for being unfair and biased during the credit reporting process. Also be advised that I feel Capital One and XXXX harassed me daily with credit card matches and ire approval emails from both Capital One and XXXX. I feel this is definitely credit card predatory services. 

There are several issues I need to file complaints for regarding this credit card service. There were problems with the initial credit process, rewards, credit limit amount etc I made a {$320.00} payment to Capital One via Western Union on XXXXXXXX. ( Western Union Tracking # XXXX ). See attachments Capital one refused to post my payment and place my account in Over The Limit Status. 

{$300.00} Credit card limit is very low for a travel credit card. Everytime I need to rent a car I have to add money to this credit card as if it is a debit card. 

Capital one was dishonest about receiving that payment abd did not post it to my account until 19 days later on XX/XX/2024 ; After I filed complaint with Floridas Attorney General and after I called Western Union to request a refund. Western Union advised they were sending capital one an email to either post my payment or refund. 

Please see all attachments.
Product: Vehicle loan or lease

I entered a lease on XX/XX/XXXX with XXXX XXXX for a new XXXX XXXX XXXX XXXX. After the initial few months of the lease, I set up an autopayment and had an issue on my end. In XXXX, I cancelled the autopay to attempt to fix the issue. Around that time in XXXX, I was charged a {$35.00} late fee for not paying on time. I don't dispute that. I'm not sure of correct date as XXXX XXXX has never sent me a statement or emailed me a statement since XX/XX/XXXX. I contacted them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with my correct address and email and still have received no statements from Chrysler Capital. I again confirmed an address, and changed one, in XX/XX/XXXX again, to receive a statement and end of vehicle turn in instructions. I still have not received anything from them. I was continually charged a late fee monthly for {$35.00} for 9 more months post XX/XX/XXXX. I was never made aware of the first late fee because I received zero correspondence from Chrysler notifying me. I was charged late fees in the amount of $ XXXX ( XXXX x {$35.00} XXXX. They refunded half. I requested they refund four more ( {$140.00} ) as I don't believe they are valid since they didn't follow consumer law and their obligations in notifying me of the original late fee to rectify. While Chrysler says they are following the terms of contract in charging late fees, that maybe correct, however they are choosing to neglect their own contract and consumer law by not notifying me of any late fees and not sending me any statement whatsoever in almost 3 years. In fact, I learned of the late fees when I had to contact them in XX/XX/XXXX to ask why I have not received any correspondence on vehicle turn in and statements.They had my email address form vehicle signing and my wife 's, as well as my phone number and my wife 's and as well as 2 valid home addresses. They chose not to contact me at all through required communication and no statements! This would have been cleared up after the first instance if they had followed the law. I ask that you require them to remove {$140.00} from my account statement and any related reports to the credit bureaus. I would attach records or files, however per the above, I still have not received any statements showing the late fees.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 section ( a ) ( B ) ( c ) ( N ) ( o ) ( s ) Congressional findings and statements of purpose My credit report is showing everything is 100 percent on time but nothing has been changed All the inquiries have to be removed in each credit reporting system from XXXX Equifax and XXXX even tho XXXX is a 3rd party so they really cant report anything negative at all!!!! 

Everything thats charged off must be paid as agreed the credit cards old cars that are on there Privacy Act 1974 5 u.s code 552a Opt out laws ( Part 1016 PRIVACY OF CONSUMER FINANCIAL INFORMATION REGULATION P ) 12 cfr 1016.1 purpose and scope 12 cfr 1016.13 ( 14 ) ( 15 ) 12 cfr 1016.4 initial privacy notice to consumer required
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued presence of the XXXX account, on my Experian credit report. This account has already been successfully removed from both XXXX and XXXX, but it remains inaccurately reported by Experian. This inconsistency is a clear violation of fair and accurate reporting requirements under the Fair Credit Reporting Act ( FCRA ). 1. Inconsistent Reporting Among Credit Bureaus : XXXX and XXXX have already recognized the compliance issues with this account and have removed it from my reports. Experians refusal to take similar corrective action is unjustifiable and undermines the credibility of the information you provide. 2. Erroneous Payment History and Charge-Off Status : Experian continues to list a Charge Off status and derogatory marks spanning years, despite the fact that this information is outdated, inaccurate, and unverified by other bureaus. This persistent negative reporting fails to reflect the current status of my credit history. 3. Lack of Last Updated Consistency : Experians last updated information for this account is outdated and does not align with the removal actions taken by the other credit bureaus. This discrepancy reflects a failure to maintain up-to-date and accurate records, as required by Metro 2 compliance standards XXXX
Product: Credit card

I recently realized that my credit limit has been decreasing about 50  % without any prior notification from bank. As a result, the amount I owe has increased from XXXX  % to XXXX  % which could negatively affect my credit score in the long run. I have been a loyal customer of the bank and have never made any late payments to. However, when I called the bank supervisor named XXXX has no answer for me. He just dont know.