23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When I first graduated college, I signed up for one of the income based programs. When my payments started, they were much higher than I had been quoted, about double. I paid for a few months until I could n't afford it and entered forbearance. When I got my paperwork confirming the forbearance, it said I had been in standard standard repayment instead of the income based. I signed the original paperwork, but no one at XXXX ( now Navient ) bothered to file it correctly. I did my homework, and now knew to the penny, exactly what my payment should be under the income based. I called to sign up for the income based for a second time. When I was received the paperwork, it again kept me in standard instead of income based. I called Navient and had to fight with a representative for a half hour, while they continually said I was wrong and just did n't understand the program correctly, until they finally admitted that they were looking at the wrong paperwork, and that my income based paper had " never been filed '', yet again. Now I 'm finally in the correct income based program. I entered the my loans into consolidation last XX/XX/XXXX. I have never missed a single payment. I recently went into my account to see how much I shave paid off loan is now about {$150.00} HIGHER than when I consolidated. Even though I 'm paying my payments online, every single month. This company just comes off as a complete scam. I 'm now looking to take a second job even though I already work full time at a XXXX, so that I can pay off these loans as soon as possible, instead of actually being able to use the income based program, because I ca n't trust Navient to not continue to lie, and XXXX up my account constantly. This is a company, that simply takes advantage of students. They should not have a single contract with the Department of Education. It 's criminal the way they are taking advantage of people by simply not doing their job and ignoring and not processing paperwork, and lying to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Also Known As : XXXX, XXXX, XXXX  Also Known As : XXXX, XXXX XXXX XXXX  XXXX Known As : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

On XX/XX/2024 my banking institution Chase bank placed a duplicate charge on my account after I had reordered my debit card. The initial charge was placed prior to me ordering the new debit card at the instruction of local chase branch employees who reassured me that if I reordered the debit cards that any charges made before would be cleared and not interrupted. This was on a Thursday. Friday morning I woke up to find that my account was in the negative by nearly {$500.00}. I spoke with multiple chase employees both in person and over the phone who all insured me that this had to have been a mistake with the merchants and that I should contact them. So for days, Friday, Saturday, Sunday, Monday and eventually Tuesday my account remained helplessly overdrawn all because of a Chase error. Tuesday I was able to speak with a claims supervisor who was able to issue a temporary credit to cover the duplicate charge which I later learned was actually a " force post '' or " double charge '' by Chase after I reordered the debit card. When I brought this issue to chase they were hesitant to assist me as I believe that they were aware that this had actually been their mistake all along, supervisor XXXX ensured me that the only way to file a formal complaint was by letter to the executive office which I intend to do as soon as possible. 

Overall my issue is the way at which the situation on the XXXX of XXXX was handled.
Product: Debt collection

XXXX XXXX claimed bankruptcy and went out of business in XX/XX/XXXX. I was laid off my job in XX/XX/XXXX and my husband is XXXX on social security in XX/XX/XXXX. We have been evicted from our home on XXXX XXXX XXXX XXXX, CA, XX/XX/XXXX. After being homeless we moved to XXXX, CA in XX/XX/XXXX. My husbands health continued to decline and died on XX/XX/XXXX. This company has no right to continue to collect a debt that has already been written off my credit. I never owed them any money.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Upon starting my home buying process, I was told by the mortgage lender that I qualified for down payment assistance thru FHA, I was very happy to know this as I did not have funds for a down payment. Through the whole process of applying, signing docs and talking to my lender it was never disclosed to me that The Down Payment Assistance Program is a LOAN!!! Even at my closing when the title company was going over the closing docs she even quoted my monthly mortgage amount still no mention another loan not until I had moved into my home when one day in the mail a bill comes from a mortgage company i never heard of with a monthly bill amount, I was totally caught off guard, baffled, and confused, I immediately contacted the mortgage lender XXXX whom I obtained my mortgage he explained that yes this is my second mortgage. I just dont believe this is fair treatment to us as consumers to be treated like this, I had my payment of what I would be paying already planned out, I believe I should have known clearly that the down payment assistance is a LOAN
Product: Mortgage

My mortgage was purchased in XXXX by Ditech. Since the purchase, I am having a very difficult time getting my mortgage payments allocated properly. Because I am " ahead '' one payment, they are allocating all of my payments to Principal only. The only way my payments are allocated correctly is if the payment is " late '' ( meaning it is showing up late on their end because they have allocated all my payments prior incorrectly ). I am beyond frustrated. I have called numerous times, I have written to them and still, things are not allocating properly. I have never had an issue with any other previous lender ( and I have had 2 ) and I make my payments via the coupon they send me in the mail ( I tried e-payments but that did not resolve the issue either ). I just want all of my payments to be processed as regular payments with a portion going to Principal, a portion going to Interest and a portion going to Escrow and I would like to keep 1 payment ahead ( I like that buffer ). Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; Bankruptcy XXXX  XXXX, Reference # XXXX Bankruptcy XXXX XXXXXXXX, Reference # XXXX Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. 
All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all your systems.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX, XXXX and Transunion for violating the Fair Credit Reporting Act ( FCRA ) and TILA 15 U.S. Code 1666 ( b ) regarding a billing error on my credit report.

Please see the dispute letters I attached on this complaint. It consist the account details.

The presence of this inaccurate billing error on my credit report is causing me significant harm, including : 1. Difficulty obtaining credit at favorable rates.

2. Higher interest rates on existing loans.

3. Denial of credit applications for housing, car loans, or other financial products.

4. Damage to my credit reputation.

I urge the CFPB to investigate this matter thoroughly and take appropriate action against the Bureau involved for violating TILA 15 U.S. Code 1666 ( b ) and the FCRA. I request that the CFPB : 1. Order the credit bureau ( s ) to remove the inaccurate billing error from my credit report.

2. Require the credit bureau ( s ) to provide me with a copy of my updated credit report reflecting the changes.

3. Ensure that the credit bureau ( s ) take all necessary steps to prevent similar errors from occurring in the future.

4. Consider taking further action against the bureau ( s ) for their violations, including potential fines or penalties. 

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report and I don't know why. When I checked my credit report, as usual, there were unexpected discrepancies. I refreshed my browser to see if it was a glitch, but the unauthorized inquiries remained. Due to this issue, I request that the documents I've submitted be thoroughly reviewed to prevent future concerns.
Product: Checking or savings account

My account has been frozen since  XXXX   XXXX . I am unable to login, move, or withdraw funds. These are funds I depend on for my living expenses and Huntington bank has not given me any time frame or answered any questions regarding the freeze.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX ***, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I am sending this regarding the expired Costco Cash Rewards Certificate. XXXX XXXX, I went to my local Costco warehouse in order to use my certificate towards merchandise. When I got to the cashier I was told to when I was trying to pay for my merchandise that I would have to go to customer service and get this exchanged to cash or check. So I went to customer service and the employee told me he would have to speak to his supervisor about this and the supervisor told the customer service employee to speak to the manager. I spoke with XXXX the manager of the Costco Warehouse in XXXX at around XXXX and he told me that in order to use this check, Citi will have to reissue another Costco Cash Rewards certificate in order for me to use it for merchandise. Please reissue me another certificate.
Product: Checking or savings account

I have been banking with WellsFargo for two years and my business account for 7 months and they sent me a letter stating they will close my account on XX/XX/XXXX, I called the 800 number and all they would tell me is I am high risk, I need a better answer than that, Its really sad I have been with them for two years and all they did send me a letter told me we will cancel my account on the XXXX and they do not want to tell me the reason! 
Thanks very much for the help
Product: Debt collection

On XX/XX/XXXX I sent a second dispute letter to Comenity Capital Bank/XXXX and all 3 credit bureaus regarding a credit account that was opened in XXXX and has 10 inaccuracies. It is well over 30 days and there are still 10 inaccuracies listed on my credit report and the account still has hasn't been updated.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/year> : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Synchrony Bank sent a letter to me with the WRONG ADDRESS under my name in claiming that they have an account with them that was sold to XXXX XXXX XXXX, XXXX. This letter was sent to me XX/XX/2017. 
I have never opened an account with Syncrhony Bank and somehow the letter mentioned previously even shows an account number in Synchrony Bank. It also claimed a ridiculous credit limit and available credit for my age at the time. 

Now during XXXX they left me voicemails pertaining to the amount I owed, and they even CALLED MY SISTER regarding my debt which I think violates Fair Debt Collection Practices Act ( FDCPA ). 

Also I under my credit report somehwere around 2017 they started showing up as debt collector claiming I owe them a certain amount which I believe hurts my credit score. So I was wondering if this can be fixed by your agency, many thanks.
Product: Credit reporting or other personal consumer reports

It is showing negative standings from the years XXXX on my XXXX  and equifax credit report but on XXXX XXXX it stands positive and does not reflect anything negative from those years. All of my payments are up to date
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account XXXX. I have not supplied proof under the doctrine of estoppels by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX have already deleted the fraudulent account! All requirements ID with the XXXX report. You are required by law to remove this account no later than four days. This account is involved in litigation.
Product: Credit reporting or other personal consumer reports

Upon reviewing my report, I had multiple accounts in which I did not apply for and which I did not authorize anyone else to apply for me. The following accounts are the result of identity theft and need to be blocked from my EXPERIAN consumer credit report. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications all furnishes of this information.

Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four days and to promptly notify the furnisher ( s ) of that information. 

XXXX XXXX ( Acct # XXXX ) opened XX/XX/XXXX XXXX XXXX ( Acct # XXXX ) opened XX/XX/XXXX XXXX XXXX  ( Acct # XXXX ) opened XX/XX/XXXX XXXX XXXX XXXX  ( Auto Loan ) opened XX/XX/XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) opened XX/XX/XXXX
Product: Debt collection

On XX/XX/2019 I mailed a letter requesting validation which is my legal right according to Fair Debt Collection Practices Act. It has been over thirty days and I have yet to receive an response from the company in regards to Account # XXXX XXXX XXXX # XXXX. The company responded to XXXX  but now to myself as the consumer. This company is not in compliance with The right to dispute the debt and receive validation are part of the consumer 's rights under the United States Federal Fair Debt Collection Practices Act ( FDCPA ) and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. I asked the company to please validate by providing the following. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent I this company can not respond I will nee this information forwarded to the Attorney Generals office. CC : FTC
Product: Money transfer, virtual currency, or money service

Im trying to exchange damaged bills in different financial institutions. 
They all refuse me for not being a client. Which I can't be, because I am just on a tourist trip to the US. 
I contacted the XXXX XXXX XXXX and XXXX and they reassured me that the banks must comply with the federal regulations. 

I showed the email to the managers of the banks, and they claim their internal policy does not allow to receive and exchange damaged bills from non clients. 

As an example I am sending the response of Bank of America. 
Im in XXXX XXXX and I visited 15 banks, including XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and others.