23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

After XXXX XXXX failed to submit my paperwork for consolidation, my loans went into default and my credit took a steep dive. I switched to Navient and got my loans consolidated. Everything seemed fine at first but then came to " income based repayment option. '' After submitting for lower payments based on my income, I was sent information stating that my payments would be nearly $ XXXX/month and the only way to avoid making such outlandish payments would be to sign up for forbearance. I did and I was never told by doing so the interest in my loans would keep accruing. I do n't know what else to do to lower my payments except submit pay stubs as they suggested and reapply for lower payments.
Product: Mortgage

I have an ongoing insurance claim through Flagstar Bank ( claim # XXXX ) that is not being resolved. I submitted my check in the amount of {$36000.00} and documentation on XX/XX/23. I was told on 4 occasions by XXXX XXXX that all the documentation was received and accepted. Each time I never received the endorsed check back so that I could pay my contractor for the repairs. Each time I called XXXX to find out when I would receive my funds, I was told that a different piece of documentation was rejected. This was after I was told on 4 occasions that all the documentation was satisfactory. 

As of XX/XX/23 I still have not received the check back in order to pay the contractors as now there is a supposed issue with the contractors W-9. Once again, I was told previously by XXXX XXXX multiple times that the documentation was fine and that the check was being sent to me. The contractors are upset, rightfully so, that they still haven't received payment for the repairs they've done in XXXX and are threatening to take legal action against me if they don't receive payment. Flagstar 's deceptive practices are causing me potential legal issues that will affect my ability to continue to pay for my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover credit claims there is a late payment on my credit but did not provide proper transactional documentation..only randomized dates and various amounts that didnt show any time of payment history or anything of this nature
Product: Credit reporting or other personal consumer reports

XXXX I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

Reference # XXXX Report XXXX To Dear XXXX, I applied for a Home Depot card over the internet on XX/XX/2017 
I was advised that I needed to call XXXX to complete my application. I did. 

The representative advised me to go into a store and show my identification along with another form of ID like a bank card etc. I went to Home Depot located at XXXX the next day on Friday XXXX. The lady in customer service called customer service over the phone and the person she spoke with told her I needed to have a credit card on my person with at least a year history. I did n't have any credit cards on me at the time only a back card. 

Be advised, I was not told this previously when I called over the phone if so i would have been better prepared and I waited in line to be helped for an hour and barely made it to work on time. 

I went back to the store today Saturday XXXX and met with the same lady in customer service who tried to help me previously. I brought my XXXX card with me that I have had for more than a year ... XXXX she called customer service over the phone and was told the XXXX card does not appear on my credit!!! 

I find this process to be immensely frustrating!! I am a hard working man and I have not done anything wrong but try to apply for a card from what I thought was XXXX of the best appliance companies around, and I am being treated unfairly or treated as if I am a criminal. I am very frugal and do n't have a lot of credit because I mostly made purchases with cash, but my work load has increased from secondary job and buying things flat out can be a little pricey .... besides I noticed they offer a lot of benefits by having a Home Depot charge card. 

I 'm just appalled that I have been treated this way. I also just got home and saw that the XXXX Card is in fact showing on my XXXX Credit Report. I am speechless!!!
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/2024 and XX/XX/2024. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payments for XXXX and XX/XX/2024 before the due date, but due to a delay in processing by XXXX, it was recorded as late. I have attached bank statements and payment confirmations that show the payment was made on time. 
Clerical Error : There was a clerical error on XXXX 's part, which they acknowledged, but the correction has not been reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Navy Federal has yet to address a dispute for a billing error that was raised in XX/XX/XXXX. They were sent a total of 4 payable instruments for the balance at the time of both of my accounts. 2 instruments for each account. To date, the payments have never been applied to my credit card accounts. They have yet to acknowledge that they have received it and refuse to send it back in the case that it was not accepted. A negotiable instrument is an acceptable form of payment as there is no money since the bankruptcy of this country in XXXX. Navy Federal continues to state that I owe them money for so-called outstanding bills and repayment of the money they " gave '' or loaned me. However, banks are not allowed to make loans according to 12 USC 83. The disclosures for these transactions have security interest clauses within it. A security interest can not be given to a person if the obligor has not already fulfilled their obligation. I am requesting the original wet-ink signed contract that compels me to perform in regards to this contract. A contract requires 2 signatures in order for it to be deemed valid. I have asked repeatedly for this information and this company keeps sending me a bunch of statements. In the case that Navy Federal can not provide me with the signed contract that I am requesting, they need to stop asking for repayment. I am requesting the return of my {$700.00} down payment, as a cash downpayment is a violation of TILA pursuant to 15 USC 1605 ( a ) and 15 USC 1662 ( 2 ) Please see attachment for affidavit and notice of rescission due in 20 days.
Product: Student loan

I have a loan through the XXXX XXXX consolidation loan process. I have over the years attempted to get my promissory note, correct payment balances etc. I was sold to XXXX by the federal government when they abandoned the XXXX  program and then was sold to navient in 2017. Navient says that XXXX did not provide a promissory note or payment history. 

In XXXX I attempted to direct consolidate with the federal government through a company called aidadvantage. They sent me a denial letter stating that I was not qualified due to the type of loan I have. I recently learned that even though they denied me the direct consolidation with the government they took over my accounts. ( i believe navient and XXXX are one and the same just sister companies ) When I talk to Navient they say I need to talk to XXXX ( even though i am still paying Navient ) When I talk to XXXXe they state they have no account but see that its with some other company called XXXX. I would like to make a formal complaint against all three companies ( probably just the same company ) about why I was not notified of any of these changes. Lastly XXXX says I am not a customer of theirs. 

I will fight for some type of understanding with XXXX but in the meantime this can not continue.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made all my payments on time, but I am still seeing XXXX missed payment on my credit report from the XXXX credit bureaus ( XXXX, TransUnion and XXXX ) I filled a dispute from all the XXXX bureaus and that was corrected after the investigation but few weeks later, as of today XX/XX/year> it is showing again that I have a missing payment. This is going to affect my home purchase. Please help me to correct this
Product: Credit card or prepaid card

Between XX/XX/XXXX and XX/XX/XXXX, my credit card information from Wells Fargo was being used fraudulently to make hundreds of dollars worth of purchases in California. I disputed the charges and only had a few of them resolved by Wells Fargo. I did not realize this was happening until XX/XX/XXXX because the purchase amounts were small ( less than XXXX $ ) but they were frequent. Upon noticing the fraud, I ordered a replacement from Wells Fargo and attempted to dispute the charges. I activated the new card and found that it did not work and the account information for the card did not appear on my online banking portal. I was unable to pay off the charges that remained on the card until recently in XX/XX/XXXX. I have since cleared that account and closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Mortgage

PHH mortgage has continuously made several inaccurate changes and modifications to my account. Funds from escrow and even applying payments solely to interest and other areas. I want my loan serviced from another company. I have tried to get these problems resolved and they have even all often applied mortgage payments to other areas leaving money unaccounted for.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters. 

XXXX XXXXXXXX {$430000.00} XXXX XXXX {$46000.00} XXXX XXXX {$240.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$400.00}
Product: Credit reporting

I have been disputing incorrect information on my transunion credit report for months now. I just checked my credit score and it went down again. I keeping submitting substantial confirmed information from XXXX stating that my XXXX and XXXX are current and never late. These XXXX accounts are reporting with a degratory remark which was suppose to be removed. These XXXX accounts should be reporting as accounts in good standing. right now they are reporting as potentially negative. This information is incorrect and I am constantly calling transunion and sending in these letters from commenity bank that this information is to be corrected. Transunion keeps telling me it 's under investigation then I am told it is reporting correctly. This information is wrong. Again my XXXX and XXXX should be listed as accounts that are satisfactory. I am being pressed to seek legal action against transunion as this incorrect information is affecting me in obtaining credit. I have spent hours upon hours sending these letters calling transunion and nothing is changing but my score going down.
Product: Money transfers

My son used MoneyGram to wire some money to me. I provided all reference numbers, I also sent a copy of my driver license. This was done because " MoneyGram '' put a hold on the funds, stating as per a " XXXX government watch list '', they had to check my name against possible names that they do not do business with. I XXXX attempted to retrieve the funds on XXXX XXXX 2015 at XXXX PST., it is currently 8XXXX PST. and all the customer service person has been able tell me is the matter is under review. This in spite of the fact I was able to retrieve money from the same company on this very same day. I informed them this was an emergency and the delay in processing this matter would be and has been injurious to me. I made XXXX different trips to the store to get these funds, because I was informed by MoneyGram customer service the funds were available only to discover there was yet still a hold, in direct contradiction to the conversation with the agent on the telephone. 
They however insisted the matter is under review, without disclosing what matter needed to be reviewed, other than my name. So I can only conclude they, under some authority can with withhold funds simply because of my name, for I have done nothing wrong, and they would not provide an intelligent answer, when I asked why ... other than the matter is being reviewed. This unseemly delay has caused great distress for me, and I fail to understand why this matter would take XXXX hours or more. In addition to the fact that they provided the funds for the other transaction that was presented to them, at this point I am without the money that my son sent or a reasonable explanation. I am an XXXX citizen, born in XXXX XXXX, CA. Please help me regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN XXXX  XXXX  ALL IN MAJOR VIOLATIONS OF THE Fair Credit Reporting Act WONT FIX  AN ITEM REPORTED TO THE POLICE OR FTC
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On or about XX/XX/2022 XXXX was contacted and I explained my situation of unemployment and no income due to being medically disqualified to continue my 25 year career by a federal agency. I requested auto pay option be stopped as well. I thought my card ( s ) and account would be suspended without penalties due to my situation ( best scenario for everyone involved I thought- my card had about a {$1100.00} bal ) instead 40 years total of employment and credit building all down the tubes.Documentation was declined/refused and only response I received was " you still have to pay and on time if no penalties '' I reminded them of no income, and the response was " we have a payment plan '' Same as my former employer-punished and penalized for being sick. It's sad that this country has become so sadistic and inhumane and heartless. Every one gets dealt bad situations. Worst part, the people on the opposite end of my situation if they get in a similar situation will expect everything in their favor and it still wouldn't be enough. I'm not asking for freebies, just a realistic amount of time ( up to social security etc... not to be punished. I guess I'm supposed to rob a bank or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to appease them. For the record, this one is funny. They are from XXXX but show up local but say to call a different number. All are always robo calls. Is this so they can say they are not calling daily?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with ThXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Bank account or service

XXXX XXXXaccount # XXXX wells fargo bank location XXXX, Ga. 
act of fraud in customer serivcesreport balck male told a lie about replacing atm card needs to have reply in report about him -lying to m e.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed XXXX {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Debt collection

XXXX has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay G.L.A. Collection Company, Incorporated,  which XXXX reports negatively that I owe this company. There is no contract. This debt is not mine.
Product: Vehicle loan or lease

Upon applying for credit I was denied for several reason one being an auto loan finance threw CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX witch I never inquired or knew I was being charged for the loan it's not my debt XXXX XXXX XX/XX/XXXX XXXX I tried to dispute it with them and they wanted a written letter but after 30 days they would receive it thats not acceptable for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped XXXX points without explanation or changed to my score. I would like to know why and I would like for my score to be rightfully adjusted.