23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Good afternoon, My name is XXXX XXXX and I just read about the suit you filed against Navient Solutions. I am a student loan borrower and owe a considerable amount to Navient. I have had numerous instances where I 've been given questionable advice and encouraged to put my loans in forbearance. 
For about a year, I 've been on an income-based repayment plan. They have withdrawn more than the agreed amount on a few occasions. They returned the money, but only after I had to call them month after month to describe the problem. It would take up to 30 days to see the amount back in my account. 
Their employees are also unprofessional. When I was setting up my income-based payment plan, one of their employees called me from their cell phone and asked for personal information. It sounded like she was going to write this information down on a piece of paper and process the application when she was back in the office. I asked her to call me back when she was at her desk. 
My family and friends who also owe money to Navient could add a plethora of unscrupulous stories to my list. I would like to help you out in any way that I can. 
Please feel free to reach out at any time. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act, BANK OF AMERICA, 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 an account without my written instructions.
Product: Checking or savings account

Hi CFPB- I am trying to consolidate my XXXX and XXXX accounts as I have XXXX of both now after a couple of jobs and then the company changing their externally used sources for both. 
I have transferred my XXXX account money from Optum Bank to XXXX XXXX Account. I was surprised to see Optum charge me a {$20.00} fee to make the transfer. I have found XXXX and XXXX mostly make it very difficult to close accounts and consolidate. I am never doing it because I dislike the companies- it is just because it gets out of control having XXXX accounts separately and then they separately charge their own fees. 

Is it ok for Optum Bank XXXX to be charging a {$20.00} fee when I am just moving my funds from point a to point b?
Product: Checking or savings account

I Deposited a check from New York State taxation department onto the mobile app with Chase bank on XXXX XXXX. Usually my funds are released to me immediately. I received an email saying my funds will not be available until XX/XX/2024 due to the financial institution. I call them to release my funds and they kept sending me to different representatives and saying that the check was pending and theres nothing they can do about it until XX/XX/2024. There is no reason why this check should be held for that long it is from New York State.
Product: Student loan

XXXX NAVIENT ACCT # XXXX Exactly what you found with XXXX/ Navient in the press release happened to me. I was recommended to refinance in XX/XX/XXXX and XX/XX/XXXX, which I did. Also, with economic hardship, I was unable to make full payments, so the representative directed me which form I needed to fill out and submit so my loan would not go into default. I was told to pay what I am able to. There were no options given, just " this is what you need to do. '' and I follow their instructions. My XXXX XXXX School Loans were disbursed from XX/XX/XXXX-XX/XX/XXXX for XXXX totaling {$160000.00}. 
{$230000.00} TOTAL payments XX/XX/XXXX-XX/XX/XXXX ( current date ) {$200000.00} is my current balance. Mind boggling!
Product: Checking or savings account

On XX/XX/year> I awoke to finding out that fraudulent activity had taken place on my account. I immediately called Navy Federal Credit Union upon calling and verifying my information the automated system informed me of a declined transaction which I replied and let it be known that i did not have any knowledge of this declined transaction which at that point I was transferred to a woman in the fraud department after explaining the situation of fraudulent charges the woman I talk to looked at my account and informed me of other declined transactions which had been attempted I informed her also that I did not make those transactions nor did I make the transactions that had been approved ( {$400.00}, {$300.00}, and a few {$1.00} ) none of this was of my doing nor of my approval the woman told me she was putting in a claim and to check back in XXXX to XXXX business days which I called back on XXXX XXXX to find my claim was denied on that day I filed an appeal in which today XXXX XXXX I find out it was also denied I feel someone isnt doing a proper investigation or I am being lied to either or I do not have {$700.00} plus dollars to loose I need my money replaced please I did not make these transactions or please have someone contact me on this matter cause I am absolutely willing to press charges you can check the atm cameras or whatever needs to be done but this definitely was not a transaction I made or approved
Product: Credit card or prepaid card

I was charged twice from same company for same amount I have been trying to resolve this since XX/XX/XXXX. 
So obvious that I was charged XXXX twice on same day I closed my card followed all they said they have temporary credit then removed and I am Still charged twice XXXX. That is not Mine I am so frustrated getting no where
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a loan for XXXX and I made two payments then went through a pay decrease due to weather and unable to work ... I started getting calls stating it was the courts trying to collect a debt and I was gon na be charged with fraud if I refuse to make a payment repeatedly I called check and go and was then was I can make any payment to try to clear up debt but I fell ill and lost my job and Im unable to make payment now theyre just calling and hanging up and now with interest they're saying I owe XXXX dollars
Product: Debt collection

I am being sued for debt from us bank. it was for overdraft fees that a civil suit was filed for. They sold my debt to a third party company and i am being manipulated into paying almost XXXX time the original debt. I should not owe anything.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 
I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above- mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices. From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I hereby request you to do the below- mentioned things ; DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above requests, legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. Sincerely, : XXXX XXXX. All Rights Reserved Without Prejudice UCC-1308
Product: Debt collection

Received call from XXXX XXXX Debt Collector in XXXX of XXXX. 
Was told that I owed debt from XX/XX/XXXX. I was unaware of any debt, so I asked for debt validation, how to pay/dispute. The operator verbally harassed me and threatened to " come find me ''. 
I never received any form of debt validation. I attempted to call the debt collection agency again today ( XX/XX/XXXX ) and ask for validation, they told me they had sent it and I needed to pay. I told them that I never received a letter and asked to confirm the address. They confirmed the address then hung up on me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 my credit was pulled by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Hello, XXXX XXXX has confiscated the miles I earned from credit card sign up offers from Citi Bank. I received signup offers from CitiBank as part of the offer for opening new credit cards with Citi. All of the signup offers were deposited into my XXXX XXXX account XXXX. I had opened XXXX XXXX Credit Cards with Citi Bank between XX/XX/XXXX - XX/XX/XXXX and received a signup bonus as part of the card bonus offer. 

The applications for my XXXX XXXX Credit Card with Citi did not have any 48month restriction for bonus. Attached is a screenshot of the application page which does not mention any 48month restrictions. As you can see my applications do not have any 48month restrictions. 

XXXX XXXX claims that I have circumvented " the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page '' Attached is the response I received from XXXX XXXX to my DoT Complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, my mortgage holder, is reporting to Equifax that I am {$4300.00} past due and that my last payment was in XX/XX/XXXX. Not true. I am current, next payment due is XX/XX/XXXX and I havent been late in years. XXXX XXXX from XXXX has sent Equifax the correct information numerous times since XXXX and its still not fixed and he doesnt understand why they haven't updated it. I filed an online dispute with Equifax ( XXXX ) and the results came back that XXXX verified that the delinquencies were accurate! Not true. XXXX doesn't know who received my dispute at XXXX but it wasn't him. ( He said he is the liason for them ) My wife is listed first on our mortgage and her credit reports are all being reported correctly by XXXX.
Product: Debt collection

This company has been notified that they have violated the privacy laws. This is a violation of HIPPA. They have also not responded to any of my request. These are major violations of the FCRA, FDCPA. No one has provided me with a signed authorization to release any of my personal information nor my medical information to any collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first date of nonpayment on this account was in XX/XX/XXXX. As of writing this it is XX/XX/XXXX. The original creditor was XXXX. The account was then sold to XXXX XXXX  who was the second creditor. XXXX XXXX then sold the account to XXXX XXXXXXXX XXXX  who is now the third creditor. The account is a collection and is now in the hands of a third creditor who is strictly a debt collector. The account is reported as " Open '' which is inaccurate and should be updated to " closed '' or removed immediately. There is no credit being extended by XXXX XXXXXXXX XXXX nor was any extended by XXXX XXXX. There is no active loan and no payments are being made and there has been no settlement made. At this time the account is inactive and should be listed as " closed '' yet there is a collection for {$1200.00} on my credit report listed as an " open '' account. 

I contacted XXXX XXXX, and equifax regarding this matter and asked them to change the account to " closed ''. They have stated that they are in FCRA compliance. I do not believe this to be compliant. The account is certainly inactive and closed. 

Is this FCRA compliant? If so why is the account not closed and when is an account in collections considered closed? If this is not FCRA compliant can you please compel XXXX XXXX and equifax to remove this account or update it to " closed ''. 

Additionally the original creditor is listed as " XXXX XXXX ''. They are not the original creditor. The original creditor is " XXXX  ''. 

Thank you
Product: Credit reporting or other personal consumer reports

Item are fraudulently reported on my credit profile.
Product: Student loan

I am consolidating my direct loans with FedLoan Servicing and received incorrect information. The letter stated that once I consolidate I will need to restart my 120 payments needed to make towards my PSLF forgiveness. This is incorrect, as per the Department of Educations waiver period starting XX/XX/XXXX and ending XX/XX/XXXX. Please correct this information - all payments I have already made towards my loans should count, I do not need to restart my count after consolidation.
Product: Credit card

Bank of America has denied my claim XXXX times now stating that the product was delivered even though I never placed the order ( {$3000.00} ) and I never received the product. 

On XX/XX/year>, I was doing work on my computer and saw an email saying, 'Thank you for your purpose ''. It seemed legit, even though I never placed the order for a hunting rifle scope through XXXX XXXX. I then checked by credit card and yes, it was charged! I immediately opened a fraud claim and called the company asking if they received this order and they said yes. I explained to them that I didn't place the order, that it was fraud activity. The representative said 'OK, we'll take care of it. ' Apparently, the package was delivered ( I received the email stating that it was delivered ), but I work from home and no package was delivered. I didn't pay it any mine as I've spoken to the rep and everything was cleared up so I assume that it was just an automated response. Months passed by and while I was on a business trip in New York I saw that the charge was put back onto my account stating that Bank of America denied my claim. I didn't understand so I called them to understand what was happening. Apparently the package was redirected to an address in California. I never did such a thing. It was all too peculiar. I submitted a police report and BOA still denied my claim for the third time. No one has access to my physical credit card. So, I called the company, XXXX XXXX XXXX, and explained to them that I never placed the order and that XXXX of their reps said to me that they'll take care of it and they basically told me that they sent information to the bank and for me to reach out the BOA. I've spoken to XXXX reps from the company and they said that the money should go back onto your card, but it never did. I've asked to speak to a manager and they've never transferred me to anyone. 

I feel helpless in this situation and I refuse to pay for something that I didn't buy, especially at that price point. I don't hunt and I don't know anyone that does. Also, I am in the process of buying a house and my credit score has dropped over XXXX XXXX  because of this. It's causing a XXXX XXXX XXXX XXXXXXXX in my life and XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I pulled my credit report and seen some information that is old and unverifiable. Please remove these variations of names and addresses on my credit profile.
Product: Bank account or service

I am a customer of M & T Bank for my home mortgage since they purchased my mortgage in XXXX. I have always paid my mortgage payment online through M & TBank 's online system. In XXXX XXXX, M & T Bank unlawfully locked me out of my account, in spite of my repeated entries of my valid username and password. I was unable to make my payment on time and was unable to receive any help from M & T Bank customer service to make my payment on time. Now, M & T Bank is insisting I pay a late fee, as well as a fee to pay with a representative, because their own online and phone automated systems did not work correctly.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding unauthorized access to my XXXX XXXX XXXX violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ). My educational records, including XXXX XXXX details, have been accessed and shared without my knowledge, consent, or notification, which is a direct violation of FERPA. 

Under FERPA, my educational records can not be disclosed without my explicit written permission, except under specific lawful exceptions, which do not apply in this case. Additionally, under FCRA 1681b, credit information can only be accessed by authorized parties with a permissible purpose. The unauthorized review and use of my XXXX XXXX data under the XXXX XXXX have resulted in potential misuse, unauthorized disclosures, and inaccuracies on my credit report. 

I demand a full investigation into who accessed my records, the purpose, and any breaches of FERPA and FCRA regulations. I also request immediate corrective action, including the removal of any improperly reported XXXX XXXX  data. 

Please provide a written response detailing your findings and next steps.
Product: Money transfer, virtual currency, or money service

I am 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 their platform, leaving my account vulnerable and unprotected. Furthermore, their 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations. There were about a total of three instances where I disputed transactions for fraud and was denied
Product: Mortgage

THIS IS NOT A DUPLICATE COMPLAINT!!!!! You closed this complaint Your complaints XXXX in haste and did not research to find out where is the other complaint just like it!!!! REOPEN THIS COMPLAINT AND EXPLAIN HOW IS THIS A DUPLICATE AND WHERE IS THE OTHER COMPLAINT JUST LIKE IT????
Product: Credit reporting or other personal consumer reports

On my personal account has more than XXXX phone number and it should be XXXX number and that number is XXXX. My current address is XXXX and they have many addresses. XXXX XXXX XXXX {$540.00}, XXXX XXXX XXXX {$930.00}, XXXX {$680.00}, XXXX XXXX {$500.00}, XXXX XXXX,
Product: Credit card or prepaid card

I applied for a credit card with Victoria Secret and was allowed a {$1500.00} credit limit. I have had that card for over 3 years and never had a " random pull '' or change. Checked my credit report and noticed that Victoria secret not only decreased my limit but did so without even contacting me. 
Once I called the company they told me the reason they decreased my {$1500.00} limit to {$100.00} is because of a random credit pull and they did not have to contact me about it. 
However I never -authrtoized a credit check so that's fraud - nor was I informed or asked about random detrimental changes to my credit card limit
Product: Credit reporting or other personal consumer reports

Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX XXXX  - Account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX - Account XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions